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Featured Home Equity Rates in Florida

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2026-04-02 Equal Housing Lender

  Tap into your home's equity & access the funds you need with a HELOC

  $0

  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* Access cash when you need it 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 2025-09-30

  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

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-04-02

  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

• Renofi NMLS ID: 1802847 / Updated 2026-04-02

  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

• Spring EQ NMLS ID: 1464945 / Updated 2026-04-02

  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

• Refi.com NMLS ID: 1907 / Updated 2026-04-02 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

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-02 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

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-02

  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

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-04-02

  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 2026-04-02 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

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-04-02

  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

• 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

• Refi.com NMLS ID: 1907

  0.000%

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

  Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance Learn More

• Optimum First Inc NMLS ID: 240415

  5.763%

  $1,843 Fees & Points $4,872 Total 0.899 Pts ($2,877) $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

  5.967%

  $1,893 Fees & Points $3,418 Total 0.500 Pts ($1,600) $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

  5.981%

  $1,893 Fees & Points $3,662 Total 0.521 Pts ($1,667) $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

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

  5.987%

  $1,893 Fees & Points $3,981 Total 0.916 Pts ($2,931) $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

• Securitas Mortgage Inc NMLS ID: 1039147

  6.029%

  $1,868 Fees & Points $9,861 Total 0.998 Pts ($3,194) $6,667 Fees

  icensed in Kentucky, Indiana, Tennessee and Florida Over 50 years of experience in Mortgage Lending. A COMPLETE focus on our client’s interests and experience. Learn More

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

  6.044%

  $1,893 Fees & Points $5,850 Total 1.000 Pts ($3,200) $2,650 Fees

  live rates online at midwestmrtg.com Learn More

• RockBottom Mortgage LLC NMLS ID: 1141327 License#: MBR1498

  6.081%

  $1,919 Fees & Points $2,915 Total 0.875 Pts ($2,800) $115 Fees

  Learn More

• Pure Rate Mortgage NMLS ID: 2578474

  6.093%

  $1,919 Fees & Points $3,210 Total 0.675 Pts ($2,160) $1,050 Fees

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

• ProVisor, Inc. NMLS ID: 1802853

  6.094%

  $1,919 Fees & Points $3,337 Total 0.671 Pts ($2,147) $1,190 Fees

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

• Strength Financial NMLS ID: 2337822

  6.097%

  $1,919 Fees & Points $3,335 Total 0.675 Pts ($2,160) $1,175 Fees

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

• The Mortgage Exchange NMLS ID: 1248883

  6.112%

  $1,919 Fees & Points $3,983 Total 0.875 Pts ($2,800) $1,183 Fees

  Add Text Learn More

• Valley West Mortgage NMLS ID: 65506

  6.113%

  $1,919 Fees & Points $3,975 Total 0.875 Pts ($2,800) $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

  6.117%

  $1,919 Fees & Points $4,150 Total 0.865 Pts ($2,768) $1,382 Fees

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

• Statewide Funding NMLS ID: 1105497 License#: MLD2063

  6.127%

  $1,919 Fees & Points $4,370 Total 0.875 Pts ($2,800) $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

  6.136%

  $1,893 Fees & Points $9,072 Total 0.710 Pts ($2,272) $6,800 Fees

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

• Beeline Loans, Inc. NMLS ID: 1799947

  6.190%

  $1,945 Fees & Points $2,227 Total 0.696 Pts ($2,227) $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

• Dylken Home Loans, Inc NMLS ID: 2673152

  6.190%

  $1,945 Fees & Points $2,234 Total 0.698 Pts ($2,234) $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

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

  6.199%

  $1,945 Fees & Points $2,541 Total 0.794 Pts ($2,541) $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

  6.216%

  $1,945 Fees & Points $3,146 Total 0.641 Pts ($2,051) $1,095 Fees

  Simple loans for your dream home! Learn More

• Salute Mortgage, LLC NMLS ID: 2601951

  6.221%

  $1,945 Fees & Points $3,404 Total 0.680 Pts ($2,176) $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

• Farmers Bank of Kansas City NMLS ID: 613839

  6.225%

  $1,945 Fees & Points $3,419 Total 0.820 Pts ($2,624) $795 Fees

  Competitive rates. Surprisingly smooth process. Learn More

• Anchor Home Mortgage Inc NMLS ID: 169063

  6.231%

  $1,945 Fees & Points $3,605 Total 0.875 Pts ($2,800) $805 Fees

  "Lower Rates NOT Expectations!" Learn More

• Revix NMLS ID: 2684156 License#: MBR7986

  6.238%

  $1,945 Fees & Points $3,975 Total 0.871 Pts ($2,787) $1,188 Fees

  Refi faster and cut your monthly cost Learn More

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

  6.241%

  $1,945 Fees & Points $3,949 Total 0.923 Pts ($2,954) $995 Fees

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

• West Capital Lending NMLS ID: 1566096

  6.241%

  $1,945 Fees & Points $3,951 Total 0.830 Pts ($2,656) $1,295 Fees

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

• DECO Mortgage NMLS ID: 2561451

  6.265%

  $1,945 Fees & Points $4,953 Total 0.991 Pts ($3,171) $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

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

  6.309%

  $1,971 Fees & Points $2,000 Total 0.625 Pts ($2,000) $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

• Better.com NMLS ID: 330511

  6.339%

  $1,971 Fees & Points $3,024 Total 0.634 Pts ($2,029) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.343%

  $1,971 Fees & Points $3,158 Total 0.987 Pts ($3,158) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• PenFed Credit Union NMLS ID: 401822

  6.403%

  $1,971 Fees & Points $5,195 Total 1.000 Pts ($3,200) $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

• New American Funding, LLC. NMLS ID: 6606

  6.584%

  $2,021 Fees & Points $3,126 Total 0.977 Pts ($3,126) $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

  6.619%

  $2,021 Fees & Points $4,301 Total 0.877 Pts ($2,806) $1,495 Fees

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

• 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

• 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

• 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

• 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 .