On Mortgage is licensed across the entire state of Florida, so wherever your home is, you can tap its equity with our Digital HELOC. Below are the metros where we’ve published in-depth local HELOC guides, but if you don’t see your city, you still qualify.
Each guide has local home-value and equity data, neighborhood detail, and answers to the questions homeowners in that market actually ask. Choose the closest to your home.
Condo-friendly HELOCs across Miami-Dade, from Brickell high-rises to Kendall.
Waterfront and condo equity, including help with post-Surfside assessments.
High-rise and condo HELOCs in Miami’s financial district, including assessment funding.
Jumbo-sized lines for the City Beautiful’s high-value and historic homes.
Historic canopy homes, bayfront estates and Bayshore condos in Miami’s oldest neighborhood.
Newer master-planned communities and a city of business owners; bank statement qualifying.
Waterfront, canal, and condo HELOCs across Broward’s hub.
Beach, Lakes, and inland equity from the Broadwalk to Emerald Hills.
Master-planned family communities with high ownership and deep equity.
Newer west-Broward suburbs with some of the county’s biggest equity gains.
A built-out family suburb where equity sits in established homes.
Waterfront revival and beach-adjacent equity along the coast.
Every city above, and every city not listed, qualifies for our Bank Statement HELOC: 12 months of bank statements instead of tax returns, an expense factor as low as 25%, a 660 minimum credit score and lines up to $1,000,000. Investors can put a rental’s equity to work with the Investor HELOC, and owners who want a fixed payment or to qualify on a CPA P&L or 1099s have the Bank Statement Second Mortgage.
These guides cover our most-requested metros, but our Digital HELOC is available on homes throughout Florida, from Jacksonville and Gainesville to Fort Myers, Sarasota, the Space Coast, and the Keys. The same terms apply statewide: lines from $50,000 to $1,000,000, access up to 90% of your property value, on primary, second, and investment homes, including condos and self-employed borrowers.
Wherever your home sits in Florida, the fastest way to see your number is to start an application. It takes a few minutes and won’t affect your credit score.
Rates starting at 6.75%*, personalized to you in minutes.