Home Equity

If you’ve built some solid equity into your home, a home equity loan is one of the smartest ways to borrow money. It can give you access to cash for education, home improvement, debt consolidation, medical expenses, vacations, and more.

A Home Equity Loan is the perfect way to find "extra" cash for big expenses. Get a one-time lump sum with a fixed-rate and consistent monthly payments.

  • Robins Financial pays all closing costs
  • Loan amounts from $5,000 up to $125,000
  • Fixed Term and Fixed Rate up to 10 years
  • Loan based on the equity accrued in your home
  • Interest may be tax deductible (consult your tax advisor)
  • Borrow up to 100% of the value of your home*
  • Convenient Payment Options available

*Property must be primary residence and located in the state of Georgia. Modular homes are not eligible.

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending is available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849

Not sure how much you need? A home equity line of credit works similar to a credit card. You're given a set credit limit, which you can borrow from and repay as needed.

  • Robins Financial Credit Union pays all closing costs
  • Credit limits $5,000 - $150,000
  • Minimum initial advance of $5,000.00 required
  • Borrow up to 95% of the value of your home*
  • Interest-Only Option for 3 years
  • Convenient access to your Line of Credit with a Visa card
  • Rates Currently as low as 4.00% APR**
  • Interest may be tax deductible (consult your tax adviser)
  • Convenient Payment Options available

*Property must be primary residence and located in the state of Georgia. Modular homes are not eligible. Rates as low as Prime minus 1%. **Floor rate is 4.00%. The maximum APR that can apply is 18.00%. Prime is a variable rate; as it changes, the APR on your account will also change.

View our Full Home Equity Early Disclosure for more details.

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending is available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849

Fixed Rate Home Equity Loan Visa® Home Equity Line of Credit
Interest Tax deductible in most cases*** Tax deductible in most cases***
Loan-To-Value (LTV) 100% 95%
Access to funds Funds disbursed in a single check or deposited into the Robins Financial account of your choice. Anywhere Visa is accepted, ATMs, any Robins Financial location, Online Banking
Payment Options Fixed monthly payments with direct payments from any Robins Financial account 1% of balance plus unpaid interest
States Available Georgia (Primary residence only) Georgia (Primary residence only)

Visa® Home Equity Line of Credit

Get the money you need when you need it. Use this revolving line of credit based on the available equity in your home.

Fixed Rate Home Equity Loan

Use your home's equity to buy what you need now. Receive your money all at once then pay it back in stable, fixed monthly payments.

***Consult your tax advisor regarding deductibility of interest.

What is LTV?

Credit Unions and other lenders will extend credit based upon a percentage called Loan-To-Value, or LTV. LTV measures the amount of available equity that you have in your home. Equity is calculated by taking a percentage of the estimated market value of your home minus the amount you still owe on your first mortgage.

For example, if your home has a market value of $100,000 and you still owe $50,000 on your first mortgage, your total available equity (the maximum amount you can borrow) is calculated as follows:

Fixed Rate Home Equity Loan Visa® Home Equity Line of Credit
Estimated Market Value $100,000 $100,000
Percentage LTV 100% 95%
Percentage of Market Value $100,000 $95,000
Less Mortgage Debt $50,000 $50,000
Available Equity $50,000 $45,000
Fixed Rate Home Equity Loan VISA® Home Equity Line of Credit Interest Tax deductible in most cases*** Tax deductible in most cases*** Loan-To-Value (LTV) 100% 95% Access to funds Funds disbursed in a single check or deposited into the Robins Financial account of your choice. Anywhere VISA is accepted, ATMs, any Robins Financial location, Online Banking Payment Options Fixed monthly payments with direct payments from any Robins Financial account 1% of balance plus unpaid interest States Available Georgia (Primary residence only) Georgia (Primary residence only)


*Property must be primary residence and located in the state of Georgia. Modular homes are not eligible. Rates as low as Prime minus 1%. **Annual Percentage Rate. Floor rate is 4.00%. The maximum APR that can apply is 18.00%. Prime is a variable rate; as it changes, the APR on your account will also change.

View our Full Home Equity Early Disclosure for more details.

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending is available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849.