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Get 0% for the first 6 months on a HELOC today!


If you're thinking about a major remodeling project or paying off debt, this offer is a great way to make that happen.

Our home equity lines of credit have the following benefits:

  • Loan-to-Value ratios as high as 90%
  • ABSOLUTELY no points, fees, or closing costs
  • Limits as high as $500,000
  • Easy application and approval process

Take a look at how affordable your payments can be!

  • $20,000 loan amount = $115.86 monthly payment*
  • $30,000 loan amount = $173.78 monthly payment*
  • $40,000 loan amount = $231.71 monthly payment*
  • $50,000 loan amount = $289.63 monthly payment*

To find out more, give us a call at 901-380-7400 or stop by any of our banking centers.

Apply Now

Home Equity Line of Credit Rates
Effective Date: Monday, June 5th, 2023
Loan to Value (LTV)Terms and Draw PeriodsAPR
Up to 80% LTV up to 20 years/12 year draw period Prime + 0.00%^
81% to 90% LTV up to 20 years/12 year draw period Prime + 2.00%^

*Offers valid until 06/30/23, excludes existing FSF HELOCs, and is subject to change or withdrawal without notice. After 6 months the rate will revert to the one for which you qualify for when the loan closed. APR is based on Prime as listed in the Wall Street Journal plus a margin of up to 2.00%. Maximum LTV is 90% and maximum APR is 18.00% Home owners insurance is required. Balances cannot be transferred from existing First South Financial loans or credit cards to a First South Financial HELOC. Loans are subject to approval criteria, not all applicants will qualify. Loan payment amounts are for example purposes only and are based on an APR of 3.50% + a margin of 0.00% ARP and a term of 240 months with a maximum LTV of 80%. Equal housing opportunity. NMLS# 410640 First South Financial is headquartered in Bartlett, TN with convenient banking centers in Tennessee and Mississippi.

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