Notice: We are not currently offering home equity products in Georgia.View states where we are licensed.

Georgia Home Equity Loans & HELOCs

Peachy rates for the Peach State

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Licensed in Georgia • Atlanta Metro Specialists • Rural Property Coverage

Current Georgia Home Equity Rates

Updated daily rates from licensed Georgia lenders

HELOC Rates in Georgia

Variable Rate Range:6.50% - 17.75%
Prime Rate + Margin:8.50% + 0.00% - 2.25%
Credit Score 740+:Starting at 6.50%
Atlanta Metro Area:Competitive rates available
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Home Equity Loan Rates in GA

Fixed Rate Range:7.00% - 12.74%
15-Year Term:7.00% - 12.24%
20-Year Term:7.25% - 12.74%
30-Year Term:7.50% - 12.99%
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Rates shown are for qualified Georgia borrowers and subject to change. Atlanta metro rates often most competitive.

Georgia Home Equity Market

Market insights for Georgia homeowners

$298K
Median Home Value
Georgia statewide
$89K
Average Available Equity
For homeowners with 20%+ equity
67%
Homeownership Rate
Above national average (65%)
9.1%
Annual Appreciation
5-year average home value growth

Georgia Home Equity Market Features

Popular Uses in Georgia:

  • •Home improvements and additions
  • •Swimming pools and outdoor living
  • •Air conditioning and HVAC upgrades
  • •Debt consolidation
  • •Education funding

Georgia Advantages:

  • •Growing economy (logistics, tech, film)
  • •Affordable housing compared to national average
  • •Strong population growth
  • •Competitive banking market
  • •No state income tax on retirement income

Georgia Home Equity Regulations

Georgia Consumer Protections

Georgia Fair Lending Act

The Georgia Fair Lending Act provides protections against predatory lending practices and requires enhanced disclosures for high-cost home loans.

This act includes provisions for counseling requirements and restrictions on certain loan terms for high-cost mortgages.

Homestead Exemption

Georgia provides a homestead exemption of up to $21,500 that protects home equity from creditors, offering reasonable protection for homeowners.

This exemption doesn't affect voluntary liens like mortgages and home equity loans, allowing access to home equity financing.

High-Cost Home Loan Protections

Georgia has specific protections for high-cost home loans, including mandatory counseling and restrictions on certain loan features.

These protections help ensure borrowers understand the risks and alternatives before committing to high-cost financing.

Disclosure Requirements

Georgia requires comprehensive disclosure of all loan terms, including clear information about variable rates, payment changes, and potential risks.

All disclosures must be provided in clear, understandable language before loan commitment.

Mortgage Broker Licensing

Georgia requires licensing and regulation of mortgage brokers and lenders, ensuring they meet professional standards and consumer protection requirements.

Licensed professionals must follow strict guidelines for fair lending practices and proper disclosure.

Serving Georgia Communities

Licensed home equity lenders serving homeowners throughout the Peach State

Atlanta Metro

Atlanta
Marietta
Roswell
Sandy Springs
Alpharetta
Duluth

Major Cities

Augusta
Columbus
Savannah
Athens
Macon
Albany

Growing Areas

Johns Creek
Warner Robins
Smyrna
Valdosta
Gainesville
Peachtree City
Rome
Lawrenceville
Kennesaw
Hinesville
Brookhaven
Newnan
Statesboro
Carrollton
Douglasville
LaGrange
Griffin
Cartersville
Woodstock
Dunwoody
East Point
Stockbridge
Union City
Acworth

Georgia Home Equity FAQ

Common questions about home equity loans and HELOCs in Georgia

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