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Regions home equity loan
Regions home equity line of credit
 

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Regions home equity loan
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Regions home equity line of credit
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For you if...

For you if... For you if...You're planning home improvements, want to consolidate debt or refinance your existing mortgage or need cash for a large purchase. Learn MoreFor you if...You want a revolving credit line that allows you to borrow as much as you need up to your credit limit, to pay for home improvements, vacations or to consolidate debt. Learn MoreVaciar celda
Features Features
  • Fixed interest rate
  • Predictable monthly payments
  • No closing costs
  • Terms of 10, 15 and 20 years
Features
  • Borrow as you need up to your credit limit
  • No annual fee
  • No closing costs[4]
  • Lock in all or a portion of your line at a fixed rate
  • Rate discounts are available[5]
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Interest rates and fees

Annual Percentage Rate (APR) Annual Percentage Rate (APR)6.75% APR to 14.125% APR [1]Annual Percentage Rate (APR)For a limited time, 4.99% introductory annual percentage rate (APR) for the first six billing cycles from account opening. After that, APR is variable based on Wall Street Journal prime.[3] Current rates range from 8.25% to 15.125%.Vaciar celda
Closing costs Closing costsBank pays all closing costsClosing costsBank paid closing cost options[4]Vaciar celda
Potential fees Potential feesLate fee for 5% of the payment amount ($29 minimum, $100 maximum)Potential feesOverlimit fee of $29

Late fee for 5% of the payment amount ($29 minimum, $100 maximum)

Loan-in-a-Line conversion fee of $100
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Loan amounts and collateral

Loan amounts Loan amounts$10,000 - $250,000 depending on occupancy type, lien position, and the amount of debt secured by the collateral[2]Loan amounts$10,000 - $500,000 depending on lien position and LTVVaciar celda
Collateral requirements Collateral requirementsProperty to be used as collateral must be a primary or second residence; be located in a state where Regions has retail branches; and have at least $10,000 equity. Investment properties and manufactured homes are not eligible for home equity loans.Collateral requirementsProperty to be used as collateral must be in a state where Regions has branches, and must meet Regions' Home Equity Line of Credit requirements.[6] Investment properties and manufactured homes are not eligible for home equity lines of credit.Vaciar celda
Lien position Lien position1st or 2nd lien position for primary or secondary residence
Lien position1st or 2nd lien positionVaciar celda
Required loan-to-value ratio (LTV) Required loan-to-value ratio (LTV)Up to 89% LTV[2]Required loan-to-value ratio (LTV)Up to 80% LTVVaciar celda
Access to funds Access to fundsSingle lump sumAccess to fundsConvenience Checks, Visa Platinum Access Card (except in Texas), online, phone, or at branchVaciar celda

Terms and repayments

Terms Terms10, 15 or 20 years [1]Terms30-year term (10-year draw and 20-year repayment period)[7]Vaciar celda
Payment frequency and amount Payment frequency and amountMonthly repayment. Repayment amount is fixed and is based on term and loan amount Payment frequency and amount1/360th of the outstanding balance plus any accrued finance charges or $50, whichever is greater, during the draw period. During the repayment period, your monthly installment payments will be fully amortized over the 20-year repayment period. Other terms may apply.[7]Vaciar celda
Automatic payment option Automatic payment optionAllows you peace of mind that your payments will be automatically debited from your checking account each month. Automatic payment optionAllows you peace of mind that your payments will be automatically debited from your checking account each month.  Vaciar celda

Ways to apply

Ways to apply Ways to applyApply online, by phone or in a branch. Apply by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.Ways to applyApply online, by phone or in a branch. Apply by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.Vaciar celda
Regions home equity loan

A Regions home equity loan is an installment loan that’s secured by a primary or secondary residence. Loans carry a fixed interest rate and offer predictable monthly payments.

Learn moreApply now
Regions home equity line of credit

A Regions home equity credit line is a flexible, revolving line of credit that’s secured by a primary or secondary residence. Borrow as much as you need up to your credit limit.

Learn moreApply now