Home Equity Lines of Credit

Great rates. Flexible Options.

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3.25% APR1 (PRIME+0) 10-Year Maturity2 — PLUS — Let us cover up to $400 in Closing Costs
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This estimate assumes the interest rate does not change during the term.

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Loan Inquiry Form

  • If you are interested in learning more about our loan programs, simply complete the form below, and one of our experienced lenders will contact you regarding your loan needs.
A few ways to put the equity in your home to good use:
  • Renovate
  • Consolidate Debt
  • Major Purchases

Renovate Your Home

As a homeowner, you can tap into the equity you’ve built to help you finance home renovations and repairs.1 If you’ve been planning to update your kitchen, add on to your home or build an outdoor oasis in your backyard, using a Home Equity Line of Credit could help you turn your vision into reality.

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Consolidate Debt

Consolidate Debt

If you are working to pay off multiple debts, using the equity in your home could be a good option to help you consolidate your payments. Especially if your other debts – like student loans and credit cards – have a higher interest rate. Using a Home Equity Line of Credit to consolidate your debt could help you save on the amount of interest you pay and help you simplify your payments into one.

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Major Purchases

Major Purchases

If you have built up equity in your home, you can use it to help you with life’s big purchases, like new cars, vacations, or an unexpected emergency. With a Home Equity Line of Credit, you can use the equity you’ve built in your home to help you.

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The Lending Process

What to expect when applying for a home equity loan or line of credit.

Contact Us

Complete an application for a Home Equity Line of Credit. To get started, talk with a South State banker in one of three ways:

What We'll Need

Provide additional documentation outlined here:

  • Recent mortgage statement
  • Homeowner’s Insurance Declaration Page
  • Current pay stub(s) and W-2s for last two year or last two years tax returns
  • Financial statements
Application Review & Approval

A local banker will review your completed application and contact you with any additional questions within two business days.

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Consider the benefits of a HELOC

A HELOC is a revolving line of credit secured by your home, allowing you to access the available equity you have in your home. The amount you borrow is based on the difference between the debt secured by your home and its market value. With an equity line, you can borrow as much or as little as you need, whenever you need it, up to a credit limit established at closing. As you repay your outstanding balance, the amount of available credit is replenished, which means you can borrow against it again, if needed.

In addition local decision making and personalized service, you also receive:

Streamlined paperwork and fast approvals

Easy access through convenience checks

Option to have automatic drafts from your South State checking or savings accounts

Because HELOCs are secured by the equity in your home, the rates may be lower than other types of loans or credit cards.

Interest paid may be tax deductible3

Low variable rate options

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