As of April 1, Sandy Spring Bank has merged into Atlantic Union Bank. Learn more on our merger site.

STAR Home Equity Line of Credit*

Discover the potential of your home's equity.

Do you need to finance unexpected costs up to $100,0001? The STAR (Steps Towards Achieving Results) Home Equity Line of Credit* could be your ideal option.


Get the flexibility to borrow funds for what you need most

  • Rate discount with automatic payments from an Atlantic Union Bank deposit account
  • No closing costs2
  • Use your primary residence as collateral


You can use your home equity for:

Learn more

How much equity can you access?

A home equity line of credit is based on a percentage of the value of your home. Not sure how much of your home's equity you may qualify for? Use our Home Equity Calculator to find out.

Disclosures

*The Steps Toward Achieving Results (STAR) Home Equity Line of Credit is available to Virginia, North Carolina, DC and Maryland residents with primary single family residences located in a low to moderate income census tract and/or have an income below 80% of the median income for that tract as identified by the U.S. Census Bureau. All loans are subject to credit approval. Bank must be in a valid first or subordinate lien position on the collateral. Property insurance and flood insurance, where applicable, will be required. Please consult with a tax advisor regarding interest deductibility. Certain conditions and restrictions may apply. 

1Credit line maximum assumes 80% or less loan to value (LTV). LTV's greater than 80% and up to 95% have a maximum line amount of $50,000.

2Bank will pay closing costs for non-purchase money credit lines up to $400,000; credit lines of more than $400,000 and purchase-money credit lines will receive a $600 credit towards closing costs, or the full amount of closing costs, whichever is less. Closing costs include the first property valuation obtained by Atlantic Union Bank, but exclude any subsequent valuations not required by us and the initial funding of an escrow account when required. However, if your account is closed within three (3) years of the opening date, we will add any closings costs we advanced on your behalf to your outstanding balance for our reimbursement. Total closing costs generally range from $150 to $2,000. There is a $50 annual fee, if and as allowed by applicable law, which is waived the first year. Your annual fee may be waived with a qualified Atlantic Union checking account; consult with your branch banker for details. 

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