Home equity loan (fixed) · United States

Regions Home Equity Loan (HELOAN): what $50,000 costs by the day you sell

In our illustration, take $50,000 from a $500,000 home through Regions Bank and sell in year 10: the model produces $28,732 more than you received, an annualized modeled cost of 7.0%. Sold in year 5 the cost is $15,774.

That uses the lowest APR the page publishes, 6.75%, held flat, which is an advertised minimum.

What does the provider publish?

Regions Bank publishes the terms below on its own pages; each line links to the page it was read from.

What Regions Bank publishes, copied as stated. checked 2026-09-29
Term	As published	Where
Lowest published APR	6.75% (as low as)	source
Highest published APR	13.75%	source
Rate type	fixed	source
Flat fee	$0	source
Closing costs	none, as published — Bank pays all closing costs	source
Term options	10, 15, 20 years	source
Maximum combined loan-to-value	89%	source
Minimum amount	$10,000	source
Maximum amount	$500,000	source
States	Property to be used as collateral must be a primary or secondary residence; be located in a state where Regions has retail branches; and have at least $10,000 equity	source

Notes from the page; text in quotation marks is quoted verbatim. “Home Equity Loan Annual Percentage Rates (APRs) currently range from 6.75-13.75%, depending on several factors, including occupancy type, lien position, credit score/history, LTV ratio, and loan term. Example: $50,000 loan, 10-year term, 6.75% APR, 120 monthly payments of $574.12. Bank pays all closing costs. $10,000 - $500,000. Up to 89% loan-to-value (first mortgage/primary residence 89%; second mortgage/primary residence 85%; secondary residence 80%; Texas 80%). Terms 10, 15 or 20 years. Late fee 5% of the payment amount ($29 minimum, $100 maximum). No prepayment penalty wording found. Rechecked 2026-09-29 against the official published source; the modeled core terms remained as recorded. Individual terms still depend on offer and eligibility.” checked 2026-09-29

States: not stated in the provider's published documentation (checked 2026-09-29).

Minimum credit score: not stated in the provider's published documentation (checked 2026-09-29).

Minimum home value: not stated in the provider's published documentation (checked 2026-09-29).

Early payoff: not stated in the provider's published documentation (checked 2026-09-29).

Early-payoff window: not stated in the provider's published documentation (checked 2026-09-29).

Early-payoff charge: not stated in the provider's published documentation (checked 2026-09-29).

What does it cost by the day you sell?

The table applies the published terms to one scenario, the same one used for every product on this site. No upfront fee is published, so none is added.

$50,000 taken from a $500,000 home that gains 3% a year, computed from the published terms above at the lowest published rate. amortized over 20 years. checked 2026-09-29
Sold in	Paid along the way	Owed at sale	Upfront fees	Total cost	Annualized
year 3	$13,687	$46,064	$0	$9,751	7.0%
year 5	$22,811	$42,963	$0	$15,774	7.0%
year 10	$45,622	$33,110	$0	$28,732	7.0%

Scroll sideways on a phone.

How that is worked out

home value today = $500,000; cash taken = $50,000 (10% of value) home value in year N = $500,000 x 1.03^N (3% a year, every product) HEI, share of value = multiplier x 10% x home value in year N HEI, principal + share = $50,000 + share x (value in year N - adjusted starting value) HEI cap = $50,000 x (1 + cap/12)^(12N) where the provider publishes a cap HELOC illustration = interest-only using the lowest published APR as a rate proxy, then amortized home equity loan example = amortized using the lowest published APR as a rate proxy total cost at sale (N) = payments made + balance or payoff owed at sale - $50,000 + upfront fees annualized cost = the yearly rate that turns the cash received into everything paid back

Every rate is the lowest the provider publishes, so where a page says “as low as” the figure is an illustrative starting scenario. An “up to” fee is modeled at its stated maximum; the actual fee may be lower. APR is used as a proxy for the payment rate when no separate note rate is published. Variable rates are held flat. Eligibility, unpublished charges, taxes and insurance are excluded. These figures are neither quotes nor guaranteed lower bounds. Read the method.

Who owns it?

Owned by Regions Financial Corporation. Source. checked 2026-09-29

Where this leaves you

If rates rise, this figure does not hold: it uses 6.75% flat.
If the year-10 cost is what matters, U.S. Bank works out at $20,908 on the same scenario — compare the two.
Do not decide yet if you do not know when you will sell: this product costs $9,751 at a sale in year 3 and $28,732 in year 10, and the right comparison is against your own sale year and home value, not ours.

Who this page is not for

This is not a review. We have not used Regions Bank, we hold no opinion on its service, and nothing here is a recommendation or advice. It answers one question: what the published terms turn into by the day you sell.

Sources

Regions Bank terms page. checked 2026-09-29
Ownership source. checked 2026-09-29
data.json — the row behind this page, with the source URL and check date on every figure.

Written by Kaz (pen name). Figures are copied from providers' published pages on the dates shown. We have not used these products. Corrections: contact form.