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Home > Mortgages > Home Equity Loans > Home Equity Line of Credit

Home Equity Line of Credit

Home Equity Lines of Credit

A wonderful option for using excess cash in your home.

Check out our latest Home Equity Line of Credit Specials!

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This is a variable rate loan that allows you to make draws against the equity in your home, much like using the available credit on your credit card.

A First South Financial Home Equity Line of Credit (HELOC) offers you the following benefits:

  • A great low-interest rate
  • No floor rate
  • Limits as high as $500,000
  • No points or origination costs*

A home equity line of credit is a great way to pay for:

  • Major home remodeling
  • Purchasing a vehicle
  • A dream vacation
  • Paying off higher interest debt
  • And more

Have more questions? Check out our HELOC FAQs page.

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Home Equity Line of Credit Rates
Effective Date: Thursday, January 20th, 2022
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%^
91% to 95% LTV up to 20 years/12 year draw period Not Available At This Time




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We also offer many ways to make your home equity loan payments. Learn more about our loan payment options.

*Members may be responsible for the appraisal fee which is approximately $350 or more. Please see First South Financial for complete details. NMLS# 410640

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