Home Equity Line of Credit (HELOC) - Secure financing based off the value of your home

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Get funding for life’s planned and unplanned expenses. Unlike a mortgage designed to purchase property, a Home Equity Line of Credit (HELOC) helps secure financing with the equity you already have in your home. With a Seacoast HELOC, you can borrow just the money you need instead of taking out a loan with a higher lump sum. In addition, because what you borrow is up to you, a HELOC can be an excellent solution for paying off specific debts, like tuition or home improvement expenses. With low-interest rates and flexible payment options, a HELOC from Seacoast Bank may be the right-size lending option for you.

Seacoast Home Equity Line of Credit (HELOC) Features

Financing at a Competitive Rate
  • Rates as low as 8.00% APR1
  • Enjoy the flexibility of a HELOC for many purposes, from tuition costs to home improvements to unexpected expenses and more
  • Credit Carve Out2 option allows you to lock in a fixed rate with the flexibility of a line of credit providing you fixed monthly payments and reducing concerns about rising interest rates
Fast Application Process
  • Simple and quick application and decision process
  • Expedited loan process with online document sharing and electronic signature

What You Need to Apply

  • Driver's license information
  • Income3(monthly and annual)
  • Collateral address and approximate value


 

Applying for a HELOC is Simple

  1. Gather Your Info: We’ve listed out the items you’ll need for your application in the “What You Need to Apply” section for your convenience.
  2. Begin Your Application: Submit your information in the secure account that will be created when you click “Apply Now" below. You can begin your application and save it to return later if necessary.
  3. Submit: That wasn’t so bad, right? A local, Florida lender will follow up with you in one business day or less on the status of your loan.

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Seacoast is here to support you with:

Quick, Easy Applications

Quick, Easy Applications

At Seacoast, applying for your loan or financing is always easy – and you’ll be done in minutes.

Fast Decisions

Fast Decisions

Typically receive a loan decision in one day or less4.

Secure Electronic Processing

Secure Electronic Processing

Know your data is safe and secure with our online document sharing and electronic signature capabilities.

Accessible Florida Loan Experts

Accessible Florida Loan Experts

With 90+ years of experience, we know what it takes to serve our community. Connect with our dependable loan experts online, in-person or over the phone.

Have questions? Speak with a Seacoast Banker

A local, Florida lender will follow up with you in one business day or less on the status of your loan.

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1. APR=Annual Percentage Rate. Rate effective June 3, 2024 and may change based on market conditions and borrower eligibility. Variable rate based on “The Wall Street Journal” Prime Rate (currently 8.50%) with a minimum APR of 8.00% 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, minimum credit line of $50,000, 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. 180‐month draw period followed by a 0‐month repayment period, at which time the balance will be due in full. 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. APR= Annual Percentage Rate. Carve out will reduce the availability under the line and as the loan is repaid the line availability is replenished automatically. APR is for terms up to 36 months. Minimum Carve out of $2,500 and a maximum of 3 carve outs will be permitted at any one time. Rate effective June 3, 2024, and may change based on market conditions. Monthly payments based on a $25,000 loan at 7.074% APR would be $495.90 for 60 months with 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. Supporting documents may be required and can be gathered by a Seacoast Bank representative if needed.

4. Subject to receipt of all required documentation, day, and time of application.