What Is a Home Equity Loan?
A Home Equity Loan, sometimes called a Second Mortgage or Closed-End Second (CES),
allows you to borrow a lump sum of money using your home’s equity as collateral.
Unlike a HELOC, which functions like a revolving credit line, a Home Equity Loan gives you a
one-time payout with a fixed interest rate and predictable monthly payments for the life of
the loan.
You can think of it as a traditional installment loan that leverages your home’s value — stable,
straightforward, and fully under your control.
Why Atlanta Homeowners Love Home Equity Loans
With rising home values across Metro Atlanta, homeowners are sitting on more equity than
ever before. A Home Equity Loan lets you use that equity without disturbing your primary
mortgage — making it one of the most efficient and cost-effective ways to access cash today.
Here’s why Georgia homeowners love it:
●✅ Keep Your Low First-Mortgage Rate
– Add a fixed second mortgage instead of refinancing everything.
●✅ Fixed Interest Rate for Predictable Payments
– Your payment never changes over the life of the loan.
●✅ Lump-Sum Payout at Closing
– Get your funds all at once for full control and planning.
●✅ Lower Costs Than a Full Refinance
– Save time and money by avoiding unnecessary first-lien costs.
●✅ Flexible Use of Funds
– Renovate, consolidate debt, invest, or fund personal projects.
●✅ Fast Closings
– Our streamlined process helps you get approved and funded quickly.
From Sandy Springs to Stockbridge, homeowners across Georgia are using Home Equity
Loans to make smart moves with their money — without giving up their low first-lien rate.
UHome Mortgage Home Equity Loan Highlights
At UHome Mortgage, we offer modern, flexible second-mortgage programs through our
trusted lending network — including the Kind Lending CES and REMN Fixed-Rate Home
Equity Loan, both designed for real-world borrowers.
Here’s what you can expect:
●Loan Amounts Up to $500,000
●Credit Scores Starting at 640 (higher scores allow more flexibility and higher CLTVs)
●CLTV (Combined Loan-to-Value) Up to 90% for owner-occupied homes
●Fixed Interest Rates with 10-, 15-, 20-, and 30-year terms available
●Primary, Second Home, and Investment Properties all eligible
●Minimum Loan Amount: $50,000
●Debt-to-Income Ratios Up to 50% for qualified borrowers
●Fast Turnaround Times — often within 2–3 weeks
●Available as 1st or 2nd Lien (depending on property and loan purpose)
💡 Our REMN program provides quick approvals and simplified income verification, while Kind
Lending’s CES offers flexible loan amounts, fixed rates, and high CLTV limits — perfect for
homeowners and investors alike.
How a Home Equity Loan Works
Here’s how it works in simple terms:
1.We calculate your available equity.
Example: If your home is worth $600,000 and your current mortgage balance is
$350,000, you have $250,000 in equity.
2.You choose how much to borrow.
Depending on your credit and CLTV, you could borrow up to 90% of your home’s total
value (in this example, up to about $540,000 total financing).
3.You receive a lump-sum payout at closing.
You get your funds in one payment and begin making fixed monthly payments
immediately.
It’s straightforward, stable, and perfect for homeowners who prefer predictability over a
revolving credit line.
Who a Home Equity Loan Is Perfect For
A Home Equity Loan is ideal if you:
●Want fixed monthly payments that never change
●Have a credit score of 640 or higher
●Prefer a one-time lump sum instead of a line of credit
●Want to keep your low-rate first mortgage
●Have 10–20% equity or more in your home
●Plan to use funds for home improvements, debt payoff, or investments
●Need loan amounts up to $500,000 with DTIs up to 50%
If you value certainty and stability, a fixed-rate second mortgage could be your perfect solution.
Why Choose UHome Mortgage
At UHome Mortgage, our slogan says it all: Loans That Get U Home. We’re an Atlanta-based mortgage team dedicated to helping Georgia homeowners use their home equity to grow wealth and fund opportunity — without unnecessary hassle or cost.
When you work with us, you get:
●Access to multiple fixed-rate home equity programs
●Fast pre-approvals and straightforward documentation
●Options for self-employed and investor borrowers
●Competitive rates and flexible loan terms
●Transparent guidance from start to finish
We make it simple, local, and strategic — because your home’s equity should empower your
life, not complicate it.
Start Your Home Equity Loan Journey Today
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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