Home Equity Loans / Lines of Credit Ad Words

Home Equity Loans and Lines of Credit

Ready to tackle your next home improvement project or another big expense? A home equity line of credit or home equity loan from BayFirst can help finance it. Get flexible spending options, easy access to your funds, a competitive interest rate, and personalized support from our lenders. Get started and let your home's equity help you tackle whatever’s next.

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Flexible spending of your funds
Advances are easy, just write a check
Plan for future expenses
Low variable interest rates
Interest may be tax deductible*

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Plan for future expenses
Low fixed interest rates
Affordable monthly payments
Interest may be tax deductible*

Get Started Today!

Why BayFirst?

At BayFirst, we’re Here For What’s Next^® - including your next big remodel or expense. But before you start drawing up blueprints or packing your kid up for college, you’ll need to find the right loan. For more than 20 years, BayFirst’s expert lenders have been helping homeowners like you find the best way to tap into their home's equity to ensure future financial success.

Have Questions?

FAQs

With both HELOCs and home equity loans, your borrowing limit is based on the amount of equity of your home (what you owe vs. the value of your home). The terms of your loan will be based on that number, and calculated by your lender during the application process.

It depends on a number of factors, but you’ll need to have a credit score of roughly 660 or higher and you’ll need at least some equity in your home.

It depends on your goals and financial situation. If you need a one-time purchase, a home equity loan might be better, whereas HELOCs may be better if you plan to spend over time. A lender will help you weigh your options.

_{All loans are subject to approval, including credit approval, income, credit and property restrictions may apply. Other programs available. BayFirst National Bank is not affiliated with the U.S. Department of Veteran Affairs, the U.S. Housing and Urban Development, or any other federal agency. Programs subject to change or termination without notice. Proof of improvement required.

*Please consult your tax advisor.

©BayFirst National Bank 2022.}

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Home Equity Loans and Lines of Credit

Home Equity Line of Credit

Home Equity Loan

Why BayFirst?

Have Questions?

FAQs

How much I can borrow?

Do I qualify for a HELOC or home equity loan?

What is better, a HELOC or home equity loan?