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Featured Home Equity Rates in Florida

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-03 Equal Housing Lender

  #1 Non-bank HELOC in the US, A+ BBB Rating

  $0

  #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses Learn More

• Third Federal Savings and Loan NMLS ID: 449401 / Updated 2026-03-04 Equal Housing Lender

  Intro APR: 6.240 % After Intro:6.240 %

  $0

  Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2026-04-02

  Intro APR: 6.740 % After Intro:6.740 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-03-20 Equal Housing Lender

  Intro APR: 6.750 % After Intro:6.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-02-16 Equal Housing Lender

  Intro APR: 7.375 % After Intro:7.375 % Intro Period: 7 months

  $25,000

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-02-11

  Intro APR: 7.770 % After Intro:7.770 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• Refi.com NMLS ID: 1907 / Updated 2026-04-03 Equal Housing Lender

  Access your home’s equity without replacing your current mortgage

  $0

  Access your home’s equity without replacing your current mortgage Put your home’s equity to work on your terms Flexible funds for renovations, debt consolidation, or major expenses Refi.com connects you with home equity lending specialists Learn More

• Renofi NMLS ID: 1802847 / Updated 2026-04-03

  Renovating? Work with experts in renovation financing

  $0

  Renovating? Work with experts in renovation financing Borrow up to 125% on your current home value to finance renovations Loans up to $750k with competitive rates from Credit Unions Borrow more than a typical HELOC Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-03

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-04-03

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-03 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2026-04-03

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-04-03

  Get up to $600k with no monthly payments, ever.

  $0

  Use your funds your way No income verification - ideal for self-employment or retirement planning Enjoy maximum flexibility - 30 year term, no prepayment penalties Home Equity Investments are not considered a loan in all states Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-04-03

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-04-03 Equal Housing Lender

  Cash in with a HELOC

  $0

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in Florida

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pentagon Federal Credit Union NMLS ID: 401822

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender Learn More

• Optimum First Inc NMLS ID: 240415

  5.768%

  $1,843 Fees & Points $5,029 Total 0.948 Pts ($3,034) $1,995 Fees

  fill in Learn More

• District Lending NMLS ID: 1835285

  5.853%

  $1,868 Fees & Points $3,600 Total 0.625 Pts ($2,000) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• SimpLend Mortgage,LLC NMLS ID: 2558881 License#: MBR6935

  5.979%

  $1,893 Fees & Points $3,818 Total 0.625 Pts ($2,000) $1,818 Fees

  Simplified Process- We streamline the experience, reducing complexity. Personalized Service- We're committed to a solution that fits your needs. Expert Guidance- Benefit from decades of experience in the industry. Learn More

• Reliant Home Funding, Inc. NMLS ID: 292473

  5.983%

  $1,893 Fees & Points $3,739 Total 0.545 Pts ($1,744) $1,995 Fees

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Learn More

• Barrett Financial NMLS ID: 181106 License#: 2618991

  6.047%

  $1,893 Fees & Points $6,148 Total 0.750 Pts ($2,400) $3,748 Fees

  Fill IN Learn More

• Farmers Bank of Kansas City NMLS ID: 613839

  6.072%

  $1,917 Fees & Points $2,824 Total 0.634 Pts ($2,029) $795 Fees

  Competitive rates. Surprisingly smooth process. Learn More

• River City Mortgage LLC NMLS ID: 142954 License#: MLD1349

  6.083%

  $1,919 Fees & Points $2,935 Total 0.589 Pts ($1,885) $1,050 Fees

  Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people. Accessible. Authentic. Transparent. We answer and make it make sense. From pre-approval to closing — we’re all in. Learn More

• Revix NMLS ID: 2684156 License#: MBR7986

  6.086%

  $1,917 Fees & Points $3,399 Total 0.691 Pts ($2,211) $1,188 Fees

  Refi faster and cut your monthly cost Learn More

• Pro Mortgage Funding LLC NMLS ID: 2119829

  6.098%

  $1,919 Fees & Points $3,400 Total 0.689 Pts ($2,205) $1,195 Fees

  Fast Refinance Options to Lower Rates or Pull Cash Learn More

• ProVisor, Inc. NMLS ID: 1802853

  6.101%

  $1,919 Fees & Points $3,561 Total 0.741 Pts ($2,371) $1,190 Fees

  Refinance and Refi Cash Out Solutions for Every Homeowner and Veteran Learn More

• Pure Rate Mortgage NMLS ID: 2578474

  6.105%

  $1,919 Fees & Points $3,610 Total 0.800 Pts ($2,560) $1,050 Fees

  Pure Rate equals Pure Savings We provide real-time access to premier wholesale lenders Delivering wholesale pricing instantly Learn More

• Strength Financial NMLS ID: 2337822

  6.108%

  $1,919 Fees & Points $3,735 Total 0.800 Pts ($2,560) $1,175 Fees

  Hi, I'm Ryan! Buying a house is easier than you might think! Learn More

• The Mortgage Exchange NMLS ID: 1248883

  6.124%

  $1,919 Fees & Points $4,383 Total 1.000 Pts ($3,200) $1,183 Fees

  Add Text Learn More

• Valley West Mortgage NMLS ID: 65506

  6.125%

  $1,919 Fees & Points $4,375 Total 1.000 Pts ($3,200) $1,175 Fees

  Get a loan tailored to your specific needs Forget the haggle and the hassle Find the right type of loan for you and your family Learn More

• F5 Mortgage LLC NMLS ID: 1938115

  6.128%

  $1,919 Fees & Points $4,550 Total 0.990 Pts ($3,168) $1,382 Fees

  Real Time Rates With No Hidden Fees Wholesale Rates Direct To Consumers Low Rates And Minimal Closing Costs Learn More

• Midwest Mortgage Lending NMLS ID: 2262032 License#: MBR5350

  6.135%

  $1,919 Fees & Points $4,650 Total 0.625 Pts ($2,000) $2,650 Fees

  live rates online at midwestmrtg.com Learn More

• Statewide Funding NMLS ID: 1105497 License#: MLD2063

  6.139%

  $1,919 Fees & Points $4,770 Total 1.000 Pts ($3,200) $1,570 Fees

  Large product menu to help more homeowners. Apply online anytime 24/7. Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.147%

  $1,893 Fees & Points $9,478 Total 0.837 Pts ($2,678) $6,800 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• Dylken Home Loans, Inc NMLS ID: 2673152

  6.182%

  $1,945 Fees & Points $1,958 Total 0.612 Pts ($1,958) $0 Fees

  Make Refinancing a Breeze Tap into your home’s equity for renovations or debt consolidation Refinancing options customized for your unique financial needs Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  6.194%

  $1,945 Fees & Points $2,342 Total 0.732 Pts ($2,342) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• Foundation Home Loans, LLC NMLS ID: 2559614

  6.206%

  $1,945 Fees & Points $2,752 Total 0.860 Pts ($2,752) $0 Fees

  At Foundation, Your Home Dreams Take Flight Learn More

• LoanFlight Lending, LLC NMLS ID: 1522344 License#: MLD 1386

  6.209%

  $1,945 Fees & Points $2,902 Total 0.907 Pts ($2,902) $0 Fees

  Charges $0 in Lender Fees Get an Online Quote in Seconds 100% Online Process or Speak Directly with a Loan Officer Learn More

• Home Simply NMLS ID: 2473786 License#: MBR6346

  6.229%

  $1,945 Fees & Points $3,578 Total 0.776 Pts ($2,483) $1,095 Fees

  Simple loans for your dream home! Learn More

• AimLoan.com NMLS ID: 2890 License#: ML-0700791

  6.230%

  $1,945 Fees & Points $3,574 Total 0.806 Pts ($2,579) $995 Fees

  Certified Upfront Lender! Online Loan Estimate! Apply & Lock Rate 24/7! 26 Years' Experience Get Your FREE Instant Rate Quote Learn More

• Salute Mortgage, LLC NMLS ID: 2601951

  6.234%

  $1,945 Fees & Points $3,849 Total 0.819 Pts ($2,621) $1,228 Fees

  Strategic refinance advice aligned to long-term financial goals Clear break-even analysis so refinancing only happens when it makes sense Access to VA IRRRL, FHA, conventional, and HELOC options Learn More

• Anchor Home Mortgage Inc NMLS ID: 169063

  6.242%

  $1,945 Fees & Points $4,005 Total 1.000 Pts ($3,200) $805 Fees

  "Lower Rates NOT Expectations!" Learn More

• PenFed Credit Union NMLS ID: 401822

  6.265%

  $1,945 Fees & Points $4,795 Total 0.875 Pts ($2,800) $1,995 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Bergen Mortgage Enterprise LLC NMLS ID: 1897215 License#: MBR3293

  6.321%

  $1,971 Fees & Points $2,400 Total 0.750 Pts ($2,400) $0 Fees

  We searched 50+ lenders, so you'll save! Learn More

• Refi.com NMLS ID: 1907 License#: Florida

  6.327%

  $1,971 Fees & Points $2,602 Total 0.813 Pts ($2,602) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• DECO Mortgage NMLS ID: 2561451

  6.333%

  $1,971 Fees & Points $2,928 Total 0.358 Pts ($1,146) $1,782 Fees

  $0 Lender Fee. Never pay lender fee's with Deco! Same Day Pre-Qualification (As fast as 30 minutes). Single Point of Contact: Paired with your own mortgage professional. Learn More

• Better.com NMLS ID: 330511

  6.338%

  $1,971 Fees & Points $2,966 Total 0.616 Pts ($1,971) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• West Capital Lending NMLS ID: 1566096

  6.349%

  $1,971 Fees & Points $3,362 Total 0.646 Pts ($2,067) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.443%

  $1,997 Fees & Points $2,285 Total 0.714 Pts ($2,285) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• New American Funding, LLC. NMLS ID: 6606

  6.594%

  $2,023 Fees & Points $3,149 Total 0.984 Pts ($3,149) $0 Fees

  Direct Lender offering low rates, fast closings, and impeccable service FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage All-inclusive Direct Lender – no broker fees Learn More

• SoFi NMLS ID: 696891

  6.637%

  $2,023 Fees & Points $4,573 Total 0.962 Pts ($3,078) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  Fees & Points Total Pts ($0) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• CrossCountry Mortgage NMLS ID: 3029

  Fees & Points Total Pts ($0) $0 Fees

  "America's #1 Retail Lender (Scottsman Guide)" "Financing 1 and every 36 homes" "Over 20,000 Five Star Reviews On Zillow" Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Rocket Mortgage NMLS ID: 3030

  Fees & Points Total Pts ($0) $0 Fees

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 License#: MLD849

  Fees & Points Total Pts ($0) $0 Fees

  Low rates, quick quote & approval 92% of clients discover savings in Real savings, real fast - $1100 avg monthly savings Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Your home's value could help you save. Turn your equity into opportunity. Calculate your home equity loan options with lenders. Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .