Home Equity Loans/Lines of Credit

Your next remodel? Your next kid going off to college? Your next vehicle? Whatever’s next, BayFirst wants to help you get there with a Home Equity Loan or HELOC.  You'll get flexible spending and easy access that lets you spend your money how and when you need to.

Home Equity Line of Credit

  • 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*
  • No closing cost fees up to $2,500**

Home Equity Loans

  • Plan for future expenses
  • Low fixed interest rates
  • Affordable monthly payments
  • Interest may be tax deductible*
  • No closing cost fees up to $2,500**

Home Improvement Loans

  • Borrow up to 125% of your home's value
  • Have the option to spread out payments over twenty years
  • No private mortgage insurance requirements
  • No closing cost fees up to $2,500**

Learn More

Apply in 3 easy steps!

Apply Today!

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. The maximum amount of the loan is determined by subtracting the amount of any outstanding liens from 125% of the home value. *Please consult your tax advisor. **No closing costs up to $2,500. Borrower will be responsible for anything over $2,500 at closing.