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Tap into your home’s equity to finance a variety of needs.

An addition on your house, college tuition, a family vacation, and more – all things that can be financed with the help of equity you’ve worked hard to establish. We offer both home equity loans and lines of credit at competitive rates to meet both short-term and long-term needs. Best of all, the interest paid may be tax deductible.*

*Consult a tax advisor.

  • Competitive, adjustable rates for a wide range of short-term or one-time needs:
    • Make home improvements
    • Build an addition
    • Purchase a vehicle
    • Purchase recreational items
    • Take a vacation
    • Fund education expenses
    • Consolidate debts
    • And much more!
  • Secured by the amount of available equity in your home
  • Flexible repayment terms that you’ll be comfortable with
  • The interest paid may be tax deductible*
  • Streamlined process supported by local decisions
  • Exceptional assistance channeled through an experienced lending team
  • Competitive, adjustable rates for a wide range of ongoing or long-term needs:
    • Make home improvements
    • Build an addition
    • Take a vacation
    • Fund education expenses
    • And much more!
  • Secured by the amount of available equity in your home
  • Flexible repayment terms that you’ll be comfortable with
  • The interest paid may be tax deductible*
  • Revolving credit – available balance replenishes as you pay down principal
  • Funds available anytime without reapplying; apply once, then use as needed thereafter
    • Funds conveniently available by contacting us for an advance (can be transferred to checking)
  • Streamlined process supported by local decisions
  • Exceptional assistance channeled through an experienced lending team

Current Home Equity Line of Credit Special

Southern Bank is proud to offer a Home Equity Line of Credit with these amazing features:

  • 4.50% APR**
  • No Annual Fee
  • No Closing Cost
  • No Prepayment Penalty

Ready to utilize your home’s equity?

Let us know to get the process started.