Home Equity Line of Credit

The Many Benefits of a HELOC

Are you looking for a flexible and affordable way to finance your biggest goals? A Home Equity Line of Credit (HELOC) empowers you to tap into your home's value, providing a revolving line of credit that you can access as needed. Say goodbye to high-interest debt and hello to making your dreams a reality.*

Zero Upfront Costs
Get started without the burden of an origination fee. Plus, Ameris Bank will pay your closing costs up to $2,000¹ —keeping more of your equity in your pocket.

Borrow Only What You Need
Unlike a lump-sum loan, our revolving line of credit lets you draw funds as needed. You only pay interest on the amount you actually use.

Convenience in Your Wallet
Access your funds instantly with the Ameris Bank HELOC Visa® Card. Whether you're at a home improvement store or paying a contractor online, your equity is as accessible as a debit card.

Lower Your Monthly Payments
Take advantage of competitive interest rates and our Interest-Only Payment Option during the draw period to maximize your monthly cash flow.

Local Expertise, Personal Service
Our HELOCs are managed by bankers in your community. We’ll help you navigate the process in-branch to ensure you get a credit line tailored to your specific goals.

Potential Tax Advantages
Your interest payments may be tax-deductible when used for home improvements. (Consult your tax advisor for details.)

Discover how an Ameris Bank HELOC can work for you.

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How to Access Your HELOC Funds

Accessing your funds is simple and convenient, giving you 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 at any time through Ameris Bank Personal Online Banking.
Credit Line Checks: Use the pre-printed checks we supply to you, just like a regular checking account.
In-Person Request: Prefer face-to-face service? 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, providing an extra layer of financial security.

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HELOCs

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Home Equity

Loans and Lines of Credit

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*All loans are subject to credit approval.

Ameris Bank provides various home lending and equity solutions to customers in the Southeast and Mid-Atlantic. Visit a location in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.

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, intended to be listed or sold, or have been for sale in the past 90 days 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.