Home Equity Line of Credit
Home Equity Lines of Credit are a great way to finance large purchases
If you’re looking at a large purchase in the future, you might consider a HELOC
What is a HELOC?
A home equity line of credit, also known as a HELOC, is a line of credit secured by your home that gives you a revolving credit line to use for large expenses or to consolidate higher-interest rate debt on other loans such as credit cards. A HELOC often has a lower interest rate than some other common types of loans, and the interest may be tax deductible.
There’s a lot to think about when buying a house – and it’s normal to have questions, especially if you are a first time home buyer.
Maybe you want to change your term or lower your payment or payoff your loan faster. A rate and term mortgage could be your key to both.
Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
Frequently Asked Questions
A HELOC allows you to borrow against the available equity in your home and the home is used as collateral for the line of credit. Much like a credit card, as you repay the outstanding balance, the amount of available credit is replenished. You can borrow against the line as little or as much as you need throughout the draw period (typically 10 years). At the end of the draw period, the repayment period (typically 20 years) begins.
To qualify, all loan applicants must meet certain loan requirements, including:
- Sufficient equity in your home
- Good work history
- Verifiable income
- Credit score of 640+
Depending on your credit score, you can borrow up to 90% of your home's appraised value, minus your current mortgage balance.Â
Most HELOCs have variable interest rates tied to a market index (like the U.S. Prime Rate), meaning your monthly payments can fluctuate over time.
We have the experience, the social track record, and access to the right resources to get loans done.
Ready to Get Started?
100% online application, 3 minute pre-approval. Funding in as little as 5 days!
- Borrow up to 90% of your home's value.
- Get your online HELOC rate as of September 15, 2026. Today's lowest rate: 6.80% APR.
- No long waits. No complicated paperwork. Just fast access to your equity.
- Talk to a loan oficer - (404) 303-7411
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Whether you are buying a new home, getting cash from your home’s equity, seeking a more affordable payment, or want to pay off your home loan sooner, our mortgage professionals explain your options simply and clearly — and offer you competitive rates and terms to help you save.
Our mission is to help give you the smartest path for homeownership, regardless of your starting point.
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Loan programs, along with 100% financing options from Buckhead Home Loans aimed to make homeownership achievable. Â
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1. Complete Your Application
Applicants can start online or over the phone to determine affordability.
2. Become a Certified Home Buyer
Once the loan application is received, your loan officer will review your loan options. Â
3. Time for Processing
A processor verifies information, orders the appraisal, title report, and homeowners insurance.Â
4. Closing on Your New Home
Once the loan is cleared to close, the loan documents are sent to the title company for signing.Â