Unlock the potential of your home's equity with our tailored Home Equity Line of Credit (HELOC) pre-qualification process. Our simple 3-question assessment is designed to guide you effortlessly through your financial journey, ensuring you make informed decisions that align with your goals.
At this time, Seacoast Bank is only able to offer Home Equity Lines of Credit for properties located in Florida.
To qualify, you must be the owner of the home you wish to borrow against. However, Seacoast offers a variety of other financial solutions that might be perfect for your needs and our bankers are ready to assist you in exploring these options. Click on the link below to schedule a free consultation and discover how we can help you achieve your financial goals.
The minimum loan requirement for a Home Equity Line of Credit is $25,000. However, Seacoast offers a variety of other financial solutions that might be perfect for your needs.
Have questions about your HELOC options?
Complete this form to schedule a free consultation.
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1. APR=Annual Percentage Rate. Rate effective June 2, 2025 and may change based on market conditions and borrower eligibility. Variable rate based on “The Wall Street Journal” Prime Rate (currently 7.50%) with a minimum APR of 8.50% and a maximum APR of 18.00%. Subject to credit approval. Your APR may be higher based on the prevailing variable rate index value, the amount of your credit line, combined loan‐to‐value, and/or property type. The APR referenced will require a minimum credit score of 780 and automatic payment deductions from your Seacoast Bank deposit account, minimum credit line of $25,000 and the credit line together with any other mortgage(s) cannot exceed 80% of the property value on 1‐to‐4 family owner‐occupied properties. Primary or secondary residence only. Not available on investment property or manufactured homes. 120‐month draw period with interest only payments due monthly followed by a 240‐month repayment period, at which time regular payments will be based on an amortization of your balance. Homeowner’s property insurance is required. Flood insurance may be required. Offer does not apply to existing Seacoast Bank credit lines. Cancellation Penalty. At closing, the Disbursement Request and Authorization form may disclose that certain fees payable to third parties (“Third-Party Fees”) are being paid by Seacoast National Bank (instead of you, as may be disclosed above). In consideration of our payment of any Third-Party Fees, you agree that your Credit Line will remain open for at least two (2) years from the date you open your Credit Line. If you fail to keep the Credit Line open for at least two (2) years, you agree to pay a cancellation penalty in the amount equal to any Third-Party Fees paid by us.
2. Carve Out will reduce the availability under the line and as the loan is repaid the line availability is replenished automatically. Minimum Carve Out of $2,500 and a maximum of 3 Carve Outs will be permitted at any one time. A $50 setup fee will apply for each Carve Out. APR is for terms up to 60 months. Rate effective June 2, 2025, and may change based on market conditions. Monthly payments based on a $25,000 loan at 6.824% APR would be $492.96 for 60 months requires automatic payments from a Seacoast Bank deposit account and a one time $50 Carve Out fee. Offers may be withdrawn at any time. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.
3.Cancellation Penalty. At closing, the Disbursement Request and Authorization form may disclose that certain fees payable to third parties (“Third-Party Fees”) are being paid by Seacoast National Bank (instead of you, as may be disclosed above). In consideration of our payment of any Third-Party Fees, you agree that your Credit Line will remain open for at least two (2) years from the date you open your Credit Line. If you fail to keep the Credit Line open for at least two (2) years, you agree to pay a cancellation penalty in the amount equal to any Third-Party Fees paid by us.
Seacoast Bank NMLS# 608046