Turn your home equity into affordable cash.
Whether you’re wiping out debt, renovating, or investing, get the flexible funding you need today.
- For Free-and-clear property
- 640 credit score
- Up to 90% LTV
- Loan Amount $100k-$750k
- W2 or Bank Statement Income
- Property with a mortgage
- 680 credit score
- Up to 95% LTV
- Loan Amount $100k-$400k
- W2 or Bank Statements
- 680 credit score
- Up to 80% LTV
- Loan Amount $100k-$1M
- W2 & Tax Returns
- 1st & 2nd Lien Ok
- 640 credit score
- Up to 95% ARV (After Repair Value)
- Loan Amount $100k-$750k
- W2 & Tax Returns
- 640 credit score
- Up to 95% CLTV
- Loan Amount $100k-750k
- W2 or Bank Statements
- 680 credit score
- Up to 80% CLTV - DSCR 1.25
- Loan Amount $100k-$250k
- Tax Returns
Leverage your Florida home’s value to secure a lower-interest HELOC and take control of your finances.
We specialize in providing Florida homeowners with streamlined access to their equity.
Home Improvements
Fund that kitchen remodel or new roof and potentially increase your home's value.
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Investment Opportunities
Use your equity as a down payment for your next Florida investment property.
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Emergency Fund
Have cash ready when you need it, and only pay interest on what you draw.
Why Choose a Florida HELOC in 2026?
With Florida home values remaining resilient, your home is your greatest financial asset. Whether you are in Tampa, Miami, or Orlando, a Home Equity Line of Credit (HELOC) offers a revolving line of credit that works like a credit card but with significantly lower interest rates.
Frequently Asked Questions
Can I use bank statements to qualify for a HELOC?
Yes, you can use bank statements to qualify for a HELOC. Our customized underwriting allows for Bank Statement Income, which is perfect for business owners or individuals with unconventional income who may not have traditional tax returns. Please note that the maximum loan-to-value (LTV) ratio is 65%.
What is a Home Equity Line of Credit (HELOC)?
A HELOC is a revolving line of credit that allows you to borrow against your home's equity. It functions similarly to a credit card but typically offers significantly lower interest rates. You can borrow, repay, and borrow again as needed during your draw period.
What types of HELOC programs do you offer in Florida?
We specialize in several tailored programs to meet different needs: First Lien HELOC, HELOC Express (2nd Lien), Bridge Loan HELOC, Home Renovation HELOC, Second Lien HELOC & Investment Options.
What are the key eligibility requirements?
Eligibility varies by program, but generally, we look for: Credit Scores: Minimum FICO scores typically range from 640 to 680, depending on the specific program. Property Types: Eligible properties include single-family homes, PUDs, townhouses, and warrantable condos. Income Verification: We offer flexible options, including W-2, bank statement income, and asset depletion.
Can I use a HELOC for debt consolidation?
Yes. One of the most popular uses for a HELOC in Florida is to pay off high-interest personal loans and credit cards. By consolidating this debt into a lower-interest HELOC, many homeowners significantly improve their monthly cash flow.
How much can I borrow?
Loan amounts depend on the program. Our offerings range from $100,000 up to $1,000,000 for specific bridge loan scenarios, with CLTV (Combined Loan-to-Value) limits reaching as high as 95% on certain programs with W2.
