Home Equity Lending Options

¹United Community offers first-lien and second-lien amortizing fixed-rate Home Equity Loan (HELoan) products.  The first-lien HELoan is available in amounts ranging from $10,000 to $75,000.  The second-lien HELoan is available in amounts ranging from $10,000 to $1.5 million. The annual Percentage Rate, referred to as APR, is based on index (WSJ Prime Rate) plus a margin. The APR is fixed for the first five years of the loan. Thereafter, the APR is variable and may change annually but will never exceed 16% or be less than 2.50% per annum. The margin for each loan is determined by credit qualifications, lien position, owner occupancy, loan-to-value (LTV) ratio, and other loan features. The standard APRs represent borrowers with a minimum 760 credit score, owner-occupied first lien primary residence, maximum 80% LTV, and 0.25% discount for auto-debit from a United checking account. A rate without auto debit will be higher. HELoan products are available for consumer owner-occupied, single-family residences and are not available on manufactured homes.  Closing costs vary by state and loan amount. Borrower pays all costs pertaining to recording fees, tax monitoring fees, and mortgage taxes. Bank must be in a valid first- or second-lien position.

²The Annual Percentage Rate, referred to as APR, is based on an index (WSJ Prime Rate) plus a margin. The discounted introductory APR is fixed for the initial 12-month period. Thereafter, the APR is variable and may change daily but will never exceed 16% or be less than 2.50% per annum. The margin for each loan is determined by credit qualifications, lien position, owner occupancy, loan-to-value (LTV) ratio, and other loan features. The stated APRs represent borrowers with a minimum 760 credit score, owner-occupied first lien primary residence, maximum 80% LTV, and 0.25% discount for auto-debit from a United checking account. A rate without auto debit will be higher. Eligibility for reduced closing costs requires a United Community Bank checking account. Closing costs vary by state and loan amount. Bank may choose to waive a portion of the closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees, and mortgage taxes. HELOC product is available only for consumer owner-occupied, single-family residences and is not available on manufactured homes or leasehold properties. Bank must be in a valid first- or second-lien position. Property insurance and flood insurance, if applicable, are required on all collateral. The HELOC has a 10-year draw period and 15-year repayment period. Exclusions and limitations apply. Offer subject to bank’s standard credit approval criteria and is subject to change without notice. Stated APRs are accurate as of 3/2/2026. Third party fees vary based on loan amount and generally total between $236.00–$815.00 ($10,000.00 line); $317.00–$1784.00 ($100,000 line); $1,120–$3,847.00 ($500,000.00 line) and $6,000–$13,665.00 ($2,000,000 line). Your fees could be lower or higher.