Legal

Licensing & Disclosures

Last updated October 23, 2026

Who you are working with

Loan officer: Robyn Palmore-Amos, Mortgage Loan Officer and Realtor, Individual NMLS #2576431
Company: NEXA Lending, Company NMLS #1660690
Brand: Get Approved By Robyn
Contact: 470-470-5497, info@getapprovedbyrobyn.com

You can verify individual and company licensing at NMLS Consumer Access.

State licensing

Georgia: Licensed Mortgage Loan Originator, NMLS #2576431
Alabama: Licensed Mortgage Loan Originator, NMLS #2576431

This HELOC program is available only for properties located in Georgia and Alabama.

Equal Housing Opportunity

We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, age, marital status, or receipt of public assistance income.

General disclaimer

This is not a commitment to lend. All loans subject to credit approval, income verification, appraisal, and underwriting guidelines. Programs, rates, and terms are subject to change without notice. Not all applicants will qualify. Available for properties located in Georgia and Alabama only.

HELOC rate and terms disclosures

HELOC rates are variable and can change monthly, on the first day of the month, when WSJ Prime changes. The rate is the WSJ Prime index (currently 7.00%) plus a margin that is set at closing based on property type, credit score, and combined loan-to-value, and does not change. For a HELOC, the APR is the index plus the margin and does not include costs other than interest. The APR will never be lower than 4.00% or higher than 18.00%. 3-year draw period with interest-only payments, followed by a 17-year repayment period of principal and interest. At closing you draw at least 75% of your approved line. Closing costs apply, and you will get an itemized estimate before you commit. Rates and terms as of October 23, 2026.

Any rate, payment, or line amount shown on this site, including results from the rate estimator, is an estimate for illustration only and is not a loan offer, a rate lock, or a commitment to lend. Your actual terms depend on credit, income, property valuation, title, and underwriting review. Rates and terms effective October 23, 2026 and subject to change without notice.

Property insurance is required, and flood insurance may be required depending on the property location. Consult a tax advisor about the deductibility of interest.

Lending partner statistics

Track-record figures shown on this site (homeowners helped, HELOC volume, typical close time, and years of experience) describe the history of our HELOC lending partner. They are not the personal production of Robyn Palmore-Amos. Close times are typical and not guaranteed.

Text messaging

If you opt in to text messages, consent is not a condition of any loan. Message frequency varies. Msg and data rates may apply. Reply STOP to opt out or HELP for help.