Home Equity Lines of Credit

There are so many ways you can use your home's equity to pay for what's important.

Your home's value has increased, so use the equity to make good things happen

It's all about more dreams and fewer fees. While you've been living life, making memories and paying your mortgage, you've also been building equity in your home. So if you're ready to take on a remodeling project, use an Ameris Bank HELOC to finance the job. The possibilities go beyond that. You can use the money to finance any type of big project or purchase, or to consolidate higher-interest debt and save some money. You have several options to move your life in a positive direction. With Ameris Bank, it's a simple, straightforward process to access your home equity.

We pay your closing costs, up to $2,000¹
Get started without an upfront origination fee
Benefit from competitive interest rates that help keep your payments low
Manage your budget with flexible monthly payment options
Keep your payments even lower during the draw period with our interest-only payment option

When you're ready to tap into your funds, we make it simple and convenient so you have more control over your money whenever you need it.

Ameris Bank HELOC Card: Your HELOC card acts like a debit card, allowing you to make purchases at retail stores, online, or over the phone wherever Visa^® cards are accepted. It's quick access, right in your wallet.
Online Fund Transfers: Easily transfer funds from your HELOC directly to your Ameris Bank checking or savings accounts through personal online banking.
Credit Line Checks: Write out payments using the checks we provide free of charge.
In-Person Request: If you prefer meeting with us, simply request a credit advance at any of our convenient banking locations.
Overdraft Protection: Set up your HELOC to automatically transfer funds to cover overdrafts in a linked deposit account for an extra layer of financial security.

Flexible financing for you

Cover big purchases or ongoing expenses with simple borrowing and competitive rates.

Personal Loans & Lines of Credit

Personal Loan

A fixed rate loan that provides funds and predictability for budgeting.

Personal Credit Line

Rather than receiving a lump sum, borrow money as needed, up to an approved amount.

Flexible financing for you

Cover big purchases or ongoing expenses with simple borrowing and competitive rates.

Personal Loans & Lines of Credit

Personal Loan

A fixed rate loan that provides funds and predictability for budgeting.

Personal Credit Line

Rather than receiving a lump sum, borrow money as needed, up to an approved amount.

Disclaimers

* All loans are subject to credit approval.

¹The borrower is responsible for closing cost over $2000. Customary closing cost include third-party fees for property appraisal, attorney/title, credit reports, flood determination, recording and mortgages taxes. These costs generally range between $950 and $2,150. Property insurance is not a closing cost. Acceptable collateral: Owner-occupied, single family primary residence (mobile, manufactured, modular, and “tiny” homes are not permitted). Additionally, homes currently listed for sale or intended to be listed/sold are not eligible. Borrowers who close their credit line within the first three years are subject to a $500 early closure fee. Other terms and conditions may apply. Ameris pays up to $2000 in origination fees, remaining fees are paid by the applicant in cash or as a first HELOC advance. Consult your tax advisor regarding the deductibility of interest and charges.

About

About

Home Equity Lines of Credit (HELOC)

Your home's value has increased, so use the equity to make good things happen