Flexible Funding for Life’s Big Expenses
Whether you're planning a home renovation, consolidating high-interest debt, or covering major costs like college tuition or medical bills, a home equity loan from Ameris Bank offers financial flexibility with predictable payments.Our closed-end Home Equity Loan (HELoan) is a second-lien loan that lets you borrow against your home’s equity. Your existing first mortgage stays untouched, making this a smart option for homeowners with low-rate first mortgages.*
Why Choose an Ameris Bank HELoan?
The Ameris Bank HELoan program is designed to help you make the most of your home’s equity on your terms. Instead of replacing your potentially low-rate first mortgage, you'll add a fixed-rate second loan. This strategy can result in a blended interest rate that is often more affordable than refinancing your entire home loan, helping you keep more money in your pocket. With flexible terms and predictable monthly payments, an Ameris Bank HELoan ensures you can achieve your financial goals without disrupting your current financial stability. Benefits include:
- Fixed-Rate Terms: Choose from 10, 15, 20, or 30-year fixed-rate options for predictable payments.
- Loan Amounts: Access significant funds, with loan amounts ranging from $50,000 to $500,000.
- No Refinancing Required: Keep your existing low-rate first mortgage in place.
- Property Eligibility: Available for both Primary Residences, Second Homes and Investment Properties.
- High Loan-to-Value (LTV): Borrow up to 85% of your home's value.
Ready to explore the possibilities?
Building
Home Equity
Learn how homeownership can help you build wealth.
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Hurricane Help
From HELOC
One way to access emergency funds quicker is a HELOC.
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To Move
or Improve
Make the best choice based on market conditions.
Read MoreMake the best choice based on market conditions.
* All loans are subject to credit approval.