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Home Equity Line of Credit (HELOC)

Vibrant, reli­able, and eas­i­ly acces­si­ble — HELOCs are per­fect for man­ag­ing unex­pect­ed expens­es, con­sol­i­dat­ing debt, home makeovers, and more! Our HELOCs offer the free­dom and flex­i­bil­i­ty to access your home’s val­ue when you need it. Let your home’s val­ue shine and light­en your expens­es. Flex­i­ble term options and repay­ment plans to meet your needs are available.

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Features

  • Vari­able Rate
  • Bor­row up to $120,000 or 80% of Appraised Value
  • 1st and 2nd lien HELOC available
  • 7 Year Draw Period/​10 Year Repay­ment Term
  • Low Clos­ing Costs
  • Access your line 24⁄7 with our free Cloud Bank­ing Service

APR means Annu­al Per­cent­age Rate. Our home equi­ty line of cred­it is a vari­able rate prod­uct. The rate can change on a quar­ter­ly basis after the first 12 months. The rate is based on the Prime Rate pub­lished in the Wall Street Jour­nal plus a mar­gin. Rates are sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates and spe­cials are sub­ject to change at any time.

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Home Equity Calculators

These bright tools are here to help shed light on your finances, but they’re just for guid­ance.
For any tax or invest­ment advice, please speak to your trust­ed advi­sor.
All final loan terms will be based on the borrower’s cred­it worthiness.

A Brighter Way to Pay Sunbelt Loan, Different Bank Account

Make a pay­ment to your Sun­belt loan from an account at a dif­fer­ent bank (or finan­cial insti­tu­tion) online using SwivelPay. 

Sunbelt Loan, Sunbelt Account

Make pay­ments to your Sun­belt loan from your Sun­belt accounts through online banking.

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Have a question about Sunbelt Mortgages & Home Loans?

Click any FAQ below. Or vis­it our full FAQ page for all ques­tions and answers.

To start the loan pre-approval process, sub­mit an online appli­ca­tion, vis­it your local branch, or con­tact our Lend­ing Depart­ment at 601−649−7181 (option 4) dur­ing nor­mal busi­ness hours.

You can apply for a loan online, by phone, or in per­son. To apply online at any time for a bill con­sol­i­da­tion loan, cred­it builder, cred­it card, per­son­al loan or vehi­cle loan, get start­ed here. You can vis­it your local branch dur­ing nor­mal busi­ness hours to apply, or call our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to apply by phone.

Non-mem­bers can apply for a loan, but to apply in a branch or over the phone, you must — at min­i­mum — open a sav­ings account with Sun­belt. Before the loan is processed, mem­ber­ship eli­gi­bil­i­ty will be deter­mined. One of our lend­ing pro­fes­sion­als will con­tact you to review our mem­ber­ship requirements.