Home Equity Line of Credit (HELOC) - Utilize Your Home Equity.

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Put Your Home Equity to Work for Your Financial Goals

Seacoast Home Equity Line of Credit (HELOC) Features

  • Rates as low as 3.50% APR1
  • Enjoy the flexibility of a HELOC for many purposes, from tuition costs to home improvements to unexpected expenses and more
  • Simple and quick application and decision process
  • Expedited loan process with online document sharing and electronic signature
  • 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

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'll be able to begin your application and save to return to later if you need to.
  3. Done: 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

Same-day decisions mean you can start making plans for your next investment today.

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

As your local banking option, we are here to answer any questions you have. Fill out the form below and a Seacoast Banker will be in touch soon.

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1. APR=Annual Percentage Rate. Rate effective July 08, 2021 and may change based on market conditions and borrower eligibility. Variable rate based on “The Wall Street Journal” Prime Rate (currently 3.25%) with a minimum APR of 3.50% 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, 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. Seacoast Bank may pay all or part of your closing costs, excluding appraisal and title policy, with an immediate draw of $25,000. Closing costs generally total between $225 and $10,000. Cancellation Penalty: In exchange for our agreement to pay all or a portion of your closing costs that would be otherwise payable by you, you agree that your account will remain open for at least 2 years from the date you open the Home Equity Line of Credit account. If you fail to keep this requirement, you will be required to pay an amount equal to the third party closing costs paid by Seacoast Bank. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.

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 July 08, 2021, and may change based on market conditions. Monthly payments based on a $25,000 loan at 4.824% APR would be $747.29 for 36 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.