Home Equity Made Flexible
Home Equity Line of Credit
For a limited time, take advantage of our 3.99% introductory APR for home improvement, large purchases or debt consolidation. After the first six billing cycles, a variable rate applies. Currently, post introductory rates range from 7.50% to 14.375% APR.
How to use your home equity line of credit
Fund home improvement projects on your list.
Cover unexpected expenses.
Make a large purchase or consolidate debt.
Getting started
- Provide property details and desired loan amount.
- Upload documents to complete your application.
- If approved, a Regions HELOC specialist will set up your line of credit.
Your Regions Home Equity Line of Credit
Borrow what you need, up to your credit limit.
Extra support you can count on
Wherever you are in your financial journey, our bankers provide caring expertise to help you achieve your financial goals.
HELOC FAQs
Regions pays closing costs for lines of $500,000 or less. If your line is terminated within 24 months of the opening date, third-party closing costs paid by Regions will be charged to the line.
Potential fees- Overlimit fee of $29
- Late fee for 5% of the payment amount ($29 minimum, $100 maximum)
- Loan-in-a-Line conversion fee of $100
$10,000 – $500,000 depending on lien position,loan purpose, and loan-to-value (LTV)
Collateral requirements
Property to be used as collateral must be in a state where Regions has branches, and must meet Regions Home Equity Line of Credit requirements. Investment properties and manufactured homes are not eligible for home equity lines of credit.
Lien position
1st or 2nd lien position
Required loan-to-value ratio (LTV)
Up to 80% loan-to-value
Access to funds
Convenience Checks, Visa Platinum Access Card (except in Texas), online, phone, or at branch
Terms
30-year term (10-year draw and 20-year repayment period)
Payment frequency & amount
1/360th 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.
Automatic payment option
Allows you peace of mind that your payments will be automatically debited from your checking account each month.
Having this information in advance can make for a smoother application experience:
- Identification: Government issued photo ID and Social Security Number.
- Income Verification: Recent pay stubs, W‑2s or tax returns
- Other Income: Award letters for disability, Social Security or pension income.
- Assets: Bank statements, investment/retirement account statements
- Debts: Information on current debts, mortgage statements and credit history
- Property related documents:
- Homeowners insurance
- Property taxes bill
- Mortgage statement
- Lender‑ordered appraisal
Quickly check your home equity potential and options
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Subject to credit approval, documentation, collateral, and other requirements. The APR is based on the Wall Street Journal prime rate (6.75% as of 12/11/2025), plus a margin. Your APR will never be more than 18% or less than 3.75% or increase or decrease by more than 5.00 percentage points annually. Your APR will be based on several factors, including your credit history, credit score, loan-to-value ratio, property type, loan amount and lien status. Intro Rate: 3.99% introductory annual percentage rate (APR) applies to new transactions for your first six (6) billing cycles (although your first billing cycle may be shorter than normal). Intro rate discontinued for Payment Default or for balances converted to a fixed rate using the "Conversion Option." No other discounts apply to the intro rate. The intro rate promotion may end at any time without notice.You may elect to repay a set amount from the balance of your home equity line over a fixed-term period at a fixed rate (Loan in a Line). A $100 conversion fee may be charged for each Loan in a Line. Investment properties and manufactured housing are not allowed.Return to legal disclaimer number 1
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Rate discounts are available on HELOCs if you elect to have your monthly payments automatically debited from your Regions deposit account through our automatic payment option.Rate discount must be applied prior to loan closing and is not available if you enroll in auto debit at a later date.The amount of the discount varies based on your type of relationship with Regions,ranging from 0.25% up to 0.50%. If you sign up for automatic payment deductions and if those deductions are discontinued by you or us at any time, the APR may increase by the discount amount.Return to legal disclaimer number 2
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Closing Costs: Estimated closing costs of $150 to $4,000. Regions pays closing costs for lines of $500,000 or less. If your line is terminated within 24 months of the opening date, third-party closing costs paid by Regions will be charged to the line. Reimbursement not required for properties in Texas. Consult your tax advisor about the deductibility of interest and other costs.Return to legal disclaimer number 3
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Collateral: You must provide an enforceable first or second lien security interest in your primary or secondary residence with at least $10,000 of equity. The ratio of the new loan plus all other debt secured by your residence compared to the fair market value of your residence must not exceed 80%. Property insurance, including flood insurance if applicable, is required. Texas Only: A minimum $4,000 draw is required for Texas Home Equity Lines. The total indebtedness secured by the residence (including the Line) cannot exceed 80% of the fair market value of the home. Prepayment penalty not applicable to Lines secured by a Texas residence.Return to legal disclaimer number 4
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Repayment: For Loan-in-a-Line balances, fixed monthly payments are amortized over the elected term.Return to legal disclaimer number 5
Rate discounts are available on HELOCs if you elect to have your monthly payments automatically debited from your Regions deposit account through our automatic payment option.
| Are not FDIC-insured | Are not bank guaranteed | May lose value | Are not deposits |
| Are not a condition of any banking activity | Are not insured by any federal government agency | ||
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Regions, the Regions logo and the LifeGreen bike are registered trademarks of Regions Bank.The LifeGreen color is a trademark of Regions Bank. Only bank deposit products are FDIC insured.
