Florida Home Equity Loans & HELOCs

Competitive rates and trusted service for the Sunshine State

Get Florida HELOC RatesGet Home Equity Loan Rates

Licensed in Florida • Fast approval • Homestead property friendly

Current Florida Home Equity Rates

Updated daily rates from licensed Florida lenders

HELOC Rates in Florida

Variable Rate Range:6.75% - 18%
Prime Rate + Margin:8.50% + 0.25% - 2.50%
Credit Score 740+:Starting at 6.75%
Credit Score 680-739:Starting at 7.25%
Get Personalized HELOC Rate

Home Equity Loan Rates in Florida

Fixed Rate Range:7.25% - 12.99%
15-Year Term:7.25% - 12.49%
20-Year Term:7.50% - 12.99%
30-Year Term:7.75% - 13.49%
Get Personalized Loan Rate
Rates shown are for qualified Florida borrowers and subject to change. Final rates depend on credit score, loan-to-value ratio, and other factors.

Florida Home Equity Market

Market insights for Florida homeowners

$398K
Median Home Value
Florida statewide average
$119K
Average Available Equity
For homeowners with 20%+ equity
67%
Homeownership Rate
Florida vs 65% national average
12.1%
Annual Appreciation
5-year average home value growth

Why Florida Homeowners Choose Home Equity

Popular Uses in Florida:

  • •Hurricane damage repairs and improvements
  • •Pool and outdoor living spaces
  • •Air conditioning and energy efficiency
  • •Investment property down payments
  • •Debt consolidation

Florida Advantages:

  • •Strong homestead exemption protection
  • •No state income tax
  • •Rapid home appreciation in many areas
  • •Growing population and economy
  • •Diverse property types (condos, single-family)

Florida Home Equity Regulations

Florida Consumer Protections

Homestead Exemption

Florida provides one of the strongest homestead exemptions in the nation, protecting your primary residence from most creditor claims.

The exemption doesn't prevent voluntary liens like mortgages and home equity loans, but provides security against other creditors.

Disclosure Requirements

Florida requires comprehensive disclosures including all costs, terms, and risks associated with home equity lending.

Additional state-specific disclosures supplement federal Truth in Lending Act requirements.

Predatory Lending Protections

Florida has enacted laws to protect against predatory lending practices, including restrictions on excessive fees and deceptive practices.

Lenders must be licensed and follow strict guidelines for home equity lending in Florida.

Right of Rescission

Florida homeowners have a 3-business-day right of rescission period after closing, allowing cancellation of the loan without penalty.

This period may be extended if proper disclosures were not provided by the lender.

Serving Florida Cities

Licensed home equity lenders serving homeowners throughout the Sunshine State

Jacksonville
Miami
Tampa
Orlando
St. Petersburg
Hialeah
Tallahassee
Fort Lauderdale
Port St. Lucie
Cape Coral
Pembroke Pines
Hollywood
Gainesville
Miramar
Coral Springs
Clearwater
Miami Gardens
Palm Bay
West Palm Beach
Pompano Beach
Lakeland
Davie
Miami Beach
Sunrise

And many more cities throughout Florida

Florida Home Equity FAQ

Common questions about home equity loans and HELOCs in Florida

Ready to Access Your Florida Home Equity?

Get competitive rates with Florida homestead protections

Get Florida HELOC QuotesGet Home Equity Loan Quotes
Calculate Your Home Equity →Learn About the Process →Compare Your Options →