Select Home Loans
(888) 550-3296 Log In

HELOCs in Florida

A Home Equity Line of Credit That Keeps Your First Mortgage in Place

Apply Now ›
Google 5-star customer satisfaction

Flexibility for the Plans You Have in Mind

A Home Equity Line of Credit, or HELOC, lets eligible homeowners borrow against available home equity during a defined draw period, up to an approved credit limit. You can access funds over time rather than receiving the entire loan amount upfront.

Whether you’re planning renovations, managing a larger expense, or considering debt consolidation, a HELOC may offer flexibility as your needs develop. When placed behind your existing first mortgage, it leaves that mortgage and its rate in place.

HELOCs generally have variable interest rates, so payments can change. The credit line is secured by your home and adds a repayment obligation. At Select Home Loans, we help Florida homeowners understand the costs, payment structure, and available options through our lending partners.

Apply Now
HELOC Loans in Daytona Beach, Florida

Why choose Select Home Loans?

  • Diverse mortgage options: Conventional, FHA, VA, Reverse Mortgages, Jumbo, Non-QM Loans, HELOC, Second Mortgages, and DSCR Loans.
  • Trusted reputation: A+ Rated and accredited by the Better Business Bureau.
  • Customized service: Solutions crafted to meet your specific requirements.
  • Established credibility: A reputation built on trust and experience.
Apply Now
Pre-approved for a loan up to $500,000

Finding the Right HELOC in Florida

We start with your plans, current mortgage, and how you expect to use the funds. Your home’s value, existing mortgage balance, income, and credit help determine the credit line available to you.

Together, we compare interest rates, closing costs, fees, and draw periods. We’ll also explain how payments work while you’re borrowing and what changes when the repayment period begins, so you can plan beyond the initial expenses.

If you’re consolidating debt, we’ll help you consider the total borrowing cost and the responsibilities of securing that debt against your home. If you’d prefer a lump sum with a fixed interest rate, we can also compare fixed second mortgage options.

Based in Daytona Beach, we help homeowners throughout Florida navigate the process with personal guidance. From gathering documents through closing, we’re here to answer your questions and keep you informed.

Have more questions? Visit the FAQ section on our HELOC and Second Mortgage page, or reach out to our team. We’re happy to help.

More Choices. More Clarity. More Support.

More Options
Multiple lending partners, with programs and rates to fit your goals.
3,500+
Borrowers helped along the way
39States
Business-purpose DSCR financing for eligible investment properties.

Hear What Our Clients Have To Say!

“We recently worked with Nick Andrews on a DSCR refinance for our investment property in Florida. The experience was smooth from start to finish. He handled the process exactly how an investor loan should be handled: clear communication, fast turnaround, and no surprises. From the initial quote through underwriting and closing, Nick stayed on top of every moving piece (DSCR calculations, rental income documentation, appraisal coordination, conditions) and explained everything in plain English. If you’re an investor looking for a rental income loan, I’d strongly recommend Nick at Select Home Loans.”
Brian N.Jupiter, Florida
“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been.”
Isabel B. & Gerald B.West Palm Beach, Florida
“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”
Miriam L.Orlando, Florida
“I was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans. From start to finish, the process went smoothly and without any surprises. I highly recommend Select Home Loans.”
Judy M.Boca Raton, Florida
1 / 4