From Home Loans to HELOCs
Fixed & Adjustable Rate Home Mortgage Loans in the Atlanta Area
Home Equity Line of Credit* (HELOC)
Borrow against the equity you’ve built up in your home for renovations, debt consolidation, big ticket expenses and more!
- Usage Flexibility – Funds can be used for almost any purpose without restrictions
- Borrow Only What You Need – As a revolving line of credit, you only take out what you require at the time
- Lower Loan Rates than Alternatives – Often feature better rates than other unsecured loans
- Excel Pays Closing Costs up to $1,500
- Up to 100% Loan to Value
- Benefits of HELOCs with No Closing Costs up to $1,500
- No upfront closing cost fees up to $1500
- Lower overall loan costs with a lower rate
- Savings of potentially thousands of dollars
- Must keep account current and open for a set time to qualify
- Potential Tax Deductions – Interest may be tax deductible if used for home improvements
- Secured Lending Status – Backed by home equity making terms more favorable
- Maximum HELOC Amount
- HELOCs for the Self Employed
- Learn more about HELOCs in the Financial Education Resource Center
- FAQs
*Introductory rate is fixed for first 2 years. Introductory rate on loans of up to 80% LTV are as low as 4.99% APR based on a credit score of 740. Your rate may differ. After the introductory rate, the rate is variable and based on The Wall Street Journal’s prime rate plus 0.00 to 3.00%, with a floor rate of 4.00% APR. Maximum APR of 18%. APR. Prime APR of 7.00% as of 10/30/2025. The maximum LTV is 100%. Minimum line of credit is $10,000. Rates and terms are subject to change without notice. Member must carry homeowners’ insurance on the property that secures the HELOC. Eligible properties must be in Georgia and include single-family detached and attached units, Planned Unit Developments (PUD), and condominiums. Qualified homes must be owner-occupied and the principal residence of the borrower. Investment properties, vacant lots, purchase money seconds, and manufactured homes are not eligible. Closing costs up to a maximum of $1,500 paid by Excel. Consult a tax professional regarding the potential deductibility of interest. Other conditions and restrictions may apply. Rates shown are Annual Percentage Rate (APR). NMLS # 571411.
Mortgages
Nothing means more than having your own front door!
- Conventional, FHA, ARM, USDA, VA, Jumbo, and Specialty (Interest-Only or Balloon Payment) Home Loan Options
- Fixed & Adjustable Rate Mortgage Options
- Home Refinance Options
- Preapprovals
- FREE Mortgage Checkups & Advice
- Licensed Mortgage Advisors to walk you through the process, A to Z
- Learn more about home loans and mortgages in the Financial Education Resource Center
- Step by Step Mortgage Process
- Mortgage FAQs
Minimum loan amount is $50,000 and all loans subject to credit approval.
Our Mortgage Team NMLS #645585 | EXCEL NMLS #571411
