Unlock Your Home's Value

Access your home’s equity for home improvements, unexpected expenses, education, and more with a flexible HELOC. Use the funds when and how you need them.

Apply Today

Your Equity. Your Choice.

Put your home’s equity to work with a flexible HELOC.

Home Equity Line of Credit (HELOC)

Enjoy flexible spending options on your terms.

Borrow against the equity in your home with a revolving line of credit. Access funds as needed, up to a predetermined limit, and repay the borrowed amount with variable interest rates – just like a credit card.

BayFirst HELOC Loan Features:

  • Borrow up to 80% of your home's value
  • 10-year draw with up to 20-year repayment period

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Still Have Questions?

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Home Equity LOC FAQ

HELOCs can be used for various purposes, including home renovations, debt consolidation, education expenses, or other major purchases.

A HELOC offers a revolving line of credit with variable interest rates and typically provides ongoing access to funds for various needs.

With a HELOC draw you can access funds (or a portion of your funds) as needed, similar to using a credit card, and only pay interest on the amount you've withdrawn.

You can apply online at Apply Now link above or stop into a local BayFirst banking center (locations below) to complete an application in-person. Once we receive your completed application, we'll determine your eligibility before discussing loan terms.

The average time from application to approval is typically around 2 to 6 weeks, depending on how quickly the borrower can supply the required information and documentation. A motivated and responsive borrow can cut that time down significantly.

There may be additional fees involved, such as application fees, appraisal fees, and annual maintenance fees for HELOCs. Appraisal fees are not covered by BayFirst.
All loans subject to approval, including credit approval. Income, credit and property restrictions may apply. Other programs available. Programs subject to change or termination without notice. BayFirst National Bank is not affiliated with the Federal Housing Administration, U.S. Department of Veterans Affairs, or any other government agency.