Use for home improvements
Pay for educational expenses
Purchase big-ticket items
Consolidate debt
Plan a wedding
Your home holds the key
Why Choose a HELOC?
We believe that leveraging your home equity should be a simple, straightforward process. That's why we offer:- Ameris Bank Pays Your Closing Costs: We'll cover your closing costs, up to $2,0001.
- No Origination Fee: Get started without an upfront origination fee.
- Competitive Interest Rates: Benefit from attractive rates that help keep your payments low.
- Flexible Monthly Payments: Manage your budget with convenient monthly payment options.
- Interest-Only Option Available: Keep your payments even lower during the draw period with our interest-only payment option.
- Tax Advantage Potential: Remember to consult your tax advisor regarding the potential deductibility of interest and charges on your HELOC.
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.
*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, 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.
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.