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turn your equity into upgrades with this incredible rate!  You can also use your Home equity line of credit to pay off debt, fund education expenses, and much more!

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: Sunday, May 26th, 2024
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 06/30/24. After the 6-month introductory period, the APR will revert to 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%. Excludes existing FSF HELOCs. Homeowners 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. Equal housing opportunity. All rates and offers are subject to change or withdrawal without notice. 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%. Please see us for complete details. NMLS# 410640 First South Financial is headquartered in Bartlett, TN with convenient banking centers in Tennessee and Mississippi.

equal housing opportunity

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