What Is a HELOC?
A HELOC (Home Equity Line of Credit) is a revolving credit line secured by the equity in your home.
It works similarly to a credit card but with a much lower interest rate. You can draw from your line when needed, pay it down, and reuse it again — giving you complete control and liquidity when opportunities or unexpected expenses arise.
It’s the perfect financial tool for:
●Home improvements and renovations
●Paying off high-interest debt
●Down payments on investment properties
●Business capital or expansion
●College tuition, medical expenses, or personal goals
With a HELOC from UHome Mortgage, your home equity becomes an active part of your financial growth strategy.
Why Atlanta Homeowners Love HELOCs
In today’s market, a HELOC is one of the smartest ways to leverage your home’s value without refinancing your existing mortgage.
Here’s why Georgia homeowners are turning to HELOCs:
●✅ Access Cash Without Touching Your First Mortgage
– Keep your great first-lien rate while using a second lien for equity.
●✅ Pay Interest Only on What You Use
– You’re only charged interest on the amount you draw, not the total line amount.
●✅ Flexible Access to Funds
– Draw and repay during the draw period as needed.
●✅ Lower Costs Than a Cash-Out Refinance
– Save on closing costs and interest charges.
●✅ Fast Funding & Simple Process
– HELOCs close much quicker than full refinance loans.
Whether you live in Atlanta, Alpharetta, Marietta, or McDonough, a HELOC gives you the financial flexibility to reac
UHome Mortgage HELOC Program Highlights
Our HELOC options combine the best features of modern home equity products with flexibility for both homeowners and investors.
Here’s what you can expect with our current programs:
●Credit Scores as Low as 640
– For owner-occupied homes; higher credit may allow for more flexibility.
●Loan Amounts Up to $500,000
– Access large equity lines for renovations or investments.
●CLTV (Combined Loan-to-Value) Up to 90%
– For qualified primary homeowners; investment and second homes may go up to 85%.
●Available for 1st or 2nd Lien Positions
– Use as a standalone loan or behind your existing mortgage.
●Occupancy Options
– Owner-occupied, second homes, and investment properties are eligible.
●Draw Period – Typically 10 years, followed by a 20-year repayment term.
●Interest Structure – Variable and fixed-rate options available.
●DTI Flexibility Up to 50%
– For well-qualified borrowers with strong credit.
●Minimum Line Amount: $50,000
– Ideal for serious borrowers ready to maximize their equity.
💡 Our REMN Wholesale HELOC program offers quick approvals, digital verification, and competitive rates for homeowners
How a HELOC Works
Think of a HELOC as a reusable line of credit tied to your home’s value.
Once approved, you’ll have access to your funds — and you can use as much or as little as you like during the draw period. You’ll only pay interest on what you use.
For example: If you’re approved for a $200,000 HELOC but only draw $50,000, you’ll only pay interest on that $50,000 — not the entire line.
You can continue to draw, repay, and reuse your credit line as needed throughout your draw period. When it ends, you’ll begin making regular principal-and-interest payments on the remaining balance.
It’s simple, strategic, and flexible — everything a modern homeowner needs.
Who a HELOC Is Perfect For
A HELOC is ideal if you:
●Want to access your home equity without refinancing
●Have a credit score of 640 or higher
●Need flexible access to funds for personal or business purposes
●Want a second mortgage option with lower closing costs
●Have strong equity in your home (at least 10–20%)
●Are planning to improve, invest, or expand financially
For homeowners and entrepreneurs alike, a HELOC is a tool for growth — not just borrowing.
Why Choose UHome Mortgage
Our slogan says it best: Loans That Get U Home.
At UHome Mortgage, we specialize in helping Georgia homeowners use their equity wisely. Our team understands that your goals might go beyond your home — and a HELOC gives you the power to make them happen.
Here’s what sets us apart:
● Fast pre-approvals and simplified documentation
● Flexible options for self-employed and investor borrowers
● Competitive rates and transparent terms
● Access to high CLTV programs up to 90%
● Local Atlanta expertise with nationwide resources
●Personalized support from start to finish
We treat your finances with strategy and care — because your equity is one of your greatest assets, and we help you make the most of it.
Start Your HELOC Journey Today
If you’re ready to turn your home equity into opportunity, our team is ready to help you get started.If you’re ready to tap into your home’s value with a fixed-rate loan you can count on, our team is here to help.
Get a free instant rate quote
Take a first step towards your dream home
Free & non binding
No documents required
No impact on credit score
No hidden costs
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