Receive your money in as little as 14 days!
Unlock a HELOC with an Intro Rate of just 1.99% ARM* — for home upgrades, debt consolidation, or life’s big goals.
A HELOC (Home Equity Line of Credit) is a flexible way to borrow against your home’s value. Unlike a traditional loan, you can borrow, repay, and borrow again — giving you ongoing access to funds when you need them most.
With one of the lowest HELOC (Home Equity Line of Credit) intro rates in the Pine Belt, now is the time to put your home’s equity to work. Apply online today or connect with our local loan officer who’s here to help.
Why Choose a HELOC (Home Equity Line of Credit)?
- Flexible use of funds — renovate, consolidate debt, or take a dream trip.
- Only pay interest on what you use, when you use it.
- Borrow funds as needed using your home’s equity.
- Local decisions — work with a trusted local lender.
- Possible tax advantages; consult a tax advisor.**
Ways To Use Your Extra Cash
Home Improvement
Looking to remodel your kitchen or build an outdoor living area? A HELOC (Home Equity Line of Credit) might be a great option.
College Tuition
Use HELOC (Home Equity Line of Credit) to pay for your college expenses or your child’s.
Debt Consolidation
You could save money by using a HELOC (Home Equity Line of Credit) to consolidate higher cost debt, such as credit cards or student loans.
Major Expenses
A HELOC (Home Equity Line of Credit) may be a smart way to cover major expenses, such as home improvements, college tuition, or other large purchases.
Keep Your Current Low-Rate Home Loan
No Closing Costs - No Appraisal Fees
What is a HELOC (Home Equity Line of Credit)?
- A Home Equity Line of Credit lets you borrow against your home’s value and use the funds however you need.
- HELOCs are a great choice over other loans because you have flexible access to funds, lower intro rates, and pay interest only on what you use.
- It is available to homeowners in Forrest and Lamar Counties, Mississippi.
- Our decisions are made in the Pine Belt so you get to work with a trusted local lender.
- Applying couldn’t be easier. Apply online today or connect with a local loan officer at (601) 705-2361.
Don't Miss Out on This Low Rate!
Apply Online or Contact Your Local Lender:
Michael Slay
Loan Originator | NMLS #1834001
NOTE: For your protection, do not email personal information such as social security or account numbers.
Voted Best Mortgage Division Two Years in a Row!
Two more reasons to choose us for your home loan.
We’ve been recognized for making homebuying easier, faster, and more personal. With our award-winning team, you’ll get expert guidance and local support — every step of the way.
How much cash could you get with a HELOC?
Use the Banzai HELOC (Home Equity Line of Credit) calculator to help you estimate how much you could be approved for. But remember, this is only an estimate, give us a call for a personalized quote.
*Property must be located in Forrest or Lamar Counties, MS to be qualified for the introductory rate. Introductory rate of 1.99% APR is effective for the first 3 months of the loan. After 3 months the HELOC APR is based on the Wall Street Journal prime rate (6.75% as of 12.11.25), plus or minus a margin. HELOC APR will never be more than 14.00% or less than 6.00%. Your APR will be based on several factors including: credit score, credit history, loan-to-value (LTV) ratio; escrow of taxes, insurance, and other assessments. All home lending products are subject to credit and property approval, documentation, collateral, and other requirements. Loans may require escrow of taxes, insurance, and other assessments. HELOCs are only for primary residences and must be a loan on the home. Existing (outstanding) mortgage balances plus the credit limit of HELOC cannot exceed 85% of the fair market value of your home. Maximum loan amount $150,000 for intro rate. Contact a Grand.bank® Mortgage Loan Originator for current details. Advertised rates, program terms, and conditions are for illustrative purposes only, are subject to change without notice, and assume a borrower with excellent credit. **Grand.bank® and its representatives do not provide tax or legal advice; please consult your tax and/or legal advisor(s) regarding the deductibility of interest.
Note: Grand.bank, Grand Bank, and the Grand.bank logo are trademarks of Grand Bank for Savings, FSB. All home lending products are subject to credit and property approval, documentation, collateral, and other requirements. Loans may require escrow of taxes, insurance, and other assessments. HELOCs are only for primary residences and must be a loan on the home. Existing (outstanding) mortgage balances plus the credit limit of HELOC cannot exceed 95% of the fair market value of your home. Advertised rates, program terms, and conditions are subject to change without notice. Contact a Grand.bank® Mortgage Loan Originator for current details.
Important Information About Procedures for Opening a New Account or Establishing a New Customer Relationship:
The USA PATRIOT Act is a federal law that helps the government fight the funding of terrorism and money laundering activities. Federal law requires all U.S. financial institutions to obtain, verify and record information that identifies each person who opens an account or establishes a customer relationship with Grand Bank for Savings, FSB. What this means for you: When you open a bank account, we will ask you for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see and/or photocopy your driver’s license or other identifying documents at any time.