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
- No upfront closing cost fees
- Lower overall loan costs
- 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
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
*Annual percentage rate. Rates are subject to creditworthiness and underwriting standards. Our promotional rates are valid for 2 years fixed, after which time rates will return to your qualified variable rate. Minimum $10,000 line of credit on a primary residence only. Initial minimum draw of $7,500 and must be maintained for one year. Additional restrictions apply. See credit union for full details. Promotions may end at any time without notice. We are an equal housing lender.
Up to your credit limit. Approval and rates are based on creditworthiness. Rates stated as Annual Percentage Rates (APRs). Stated APR based on a credit score of 740 or better. We calculate your variable rate by adding 0.00-3.00% to the Prime Rate published in the “Money Rates” section of The Wall Street Journal every month. The rate will never be more than 18.00%. The line is revolving for the first 10 years with interest-only payments; the line is frozen for the second 10 years, accepting monthly payments of 1.5% of the balance or $50, whichever is greater. If not paid off at the end of the term, a balloon payment may be required. 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. Rates are subject to change without notice. Other rates, terms, and loan programs available. Excel Federal Credit Union membership is required.
