Home Equity Loans & Lines of Credit

There are many advantages to homeownership, including the opportunity to build equity in your home over time. You build equity as you make your monthly mortgage payment, improve your home, and generally over time as your home value increases.

Fixed Rate Home Equity

VyStar offers fixed rate home equity loan programs based on the percentage of the home’s value you are borrowing or loan-to-value ratio. Enjoy a low rate and affordable payments.

Home Equity Line of Credit with No Closing Costs

If you currently have a mortgage with us or even one from another financial institution, you can use your home’s equity to secure a line of credit for debt consolidation, home renovations, pay for college, buy a car, take a vacation and more. The interest rate on a home equity line of credit is tied to the prime rate of interest (and the combined loan to value) and may fluctuate as the prime rate changes. With an initial draw of $10,000 or more you may not be subject to pay closing costs, certain restrictions  apply.

For a line of credit balance of $5,000 and higher, you may also receive the VyStar Home Equity Platinum Visa. Make purchases up to your approved credit limit wherever Visa is accepted and the amount will be advanced on your Home Equity Line of Credit account. No fees or strings attached. (This is not a Points card.)

Even More Flexibility with FlexEquity3

Get a home equity line of credit with a low, fixed rate for the first three years. After that, the rate adjusts monthly, tied to Prime. Use the power of your house, your way. Enjoy the security of a low fixed rate with the flexibility of having a line of credit to draw on any time you need it.

How to Get a Home Equity Loan: Call (904) 777-6000 or 1 (800) 445-6289 or stop by a VyStar branch.

Note: Prime is identified by The Wall Street Journal as the Prime Rate in its table entitled “Money Rates.” Contact us for more information.

Please note: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.