Home Equity Loans And Lines of Credit

Less Fees. More Dreams. You’ve got dreams, and we’ve got a way to help you get there. Whether you are planning for large expenses or preparing for unexpected costs, access the equity in your home with an Ameris Bank HELOC.

  • Use for home improvements

  • Pay for educational expenses

  • Purchase big-ticket items

  • Cover unexpected costs

  • Consolidate high-interest debt

Find a Branch

Everything you need to know

How A HELOC works: A Home Equity Line of Credit is a revolving line of credit. This means that as you pay off the credit advanced to you, you can use the credit line again throughout the term of your agreement. Money will be advanced to you up to your credit limit.

  • Ameris Bank will pay your closing costs—up to $2,0001

  • No origination fee

  • Competitive interest rate

  • Monthly payment

  • Interest-only option available

  • Consult your tax advisor regarding the deductibility of interest and charges

How to Access Your HELOC Funds:

  • Ameris Bank HELOC Card: Access your money quickly and easily with your HELOC card, right in your wallet. Make purchases at retail stores, online or via telephone wherever VISA® cards are accepted.

  • Transfer funds online: Conveniently and quickly transfer funds from your HELOC to your checking and savings accounts at any time through Ameris Bank Personal Online Banking.

  • Credit line checks: Use pre-printed checks we will supply you.

  • In-person request: Request a credit advance at any of our banking locations.

  • Deficit funds transfer: If you choose to set up your accounts to have these funds transferred to cover overdrafts in a deposit account.


All loans are subject to credit approval.

1The borrower is responsible for closing costs over $2,000. Customary closing costs include third-party fees for property appraisal, attorney/title, credit reports, flood determination, recording and mortgage taxes. These costs generally range between $950 and $2,150. Property insurance is not a closing cost. Homes for sale are not eligible. Borrowers who close their credit line within the first three years are subject to a $500 early closure fee.

Ameris Bank is a full-service financial institution serving customers in the Southeast. We offer a variety of competitive mortgage loans so you can obtain your dream home. Apply for a home loan or HELOC at one of our full-service locations in Alabama, Florida, Georgia, North Carolina and South Carolina or mortgage-only locations in Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, Maryland and Tennessee.