Naples is Southwest Florida’s luxury coast: gulf-front estates, golf and club communities and a large base of second-home owners and retirees who bought years ago and hold enormous equity. On Mortgage lends statewide from Miami, fully online, and our lines go up to $1,000,000, so a Naples homeowner can tap that equity without selling or resetting a low first-mortgage rate.
6.75%Current Naples HELOC rate · October 2026 APR, personalized to your numbers*
These are the current HELOC rates we’re posting for Naples homeowners. Today’s home equity line of credit rates start at 6.75% APR* and are personalized to your equity, credit and property. Checking your rate won’t affect your credit score.
Current Naples HELOC rate
Starting at 6.75%
APR* · personalized to your home & credit · updated October 2026
Here is the local picture behind the equity in a Naples home.
~$650,000
Typical Naples-area home
The metro figure hides the range: Old Naples, Port Royal and the gulf-front communities run into eight figures, while inland Golden Gate and East Naples sit in the $400s and $500s.
~70%
Value growth since 2019
Naples saw some of the steepest appreciation in Florida through the pandemic years as northern buyers arrived, and long-held homes carry that gain.
Second-home market
Seasonal owners
A large share of Naples homes are second homes. The Digital HELOC is available on second homes and investment properties in Florida.
Approximate figures from U.S. Census (ACS) and Zillow (2026). Home values move. Your line is based on a current appraisal of your Naples home.
How much can Naples homeowners borrow right now?
If you bought your Naples home before the last few years of price growth, or you have simply been paying down your mortgage, you may be holding hundreds of thousands of dollars in equity that a HELOC can put to work, without touching the low rate on your first mortgage.
Here is the shape of it in plain numbers. Say your Naples home is worth $900,000 and you owe $350,000. A HELOC that lets you reach up to 90% of value could open a line as large as roughly $460,000, the difference between 90% of the home’s value ($810,000) and your existing balance. You only pay interest on what you actually draw, so the full line can sit ready without costing you a dime until you use it.
Why a HELOC instead of a cash-out refinance in Naples
Most Naples owners who bought or refinanced a few years ago are sitting on a first mortgage in the 3% to 4% range. A cash-out refinance would replace that low rate with today’s higher one across your entire balance. A HELOC leaves your first mortgage exactly where it is and adds a separate line only on the equity you want to tap.
Where we lend
HELOCs across every Naples neighborhood
We work with homeowners and investors throughout Collier County.
Old Naples, Port Royal & Aqualane Shores
The gulf-front and canal-front core west of U.S. 41, where equity is deepest in the state.
Pelican Bay, Park Shore & the golf communities
Grey Oaks, Quail West, Tiburon, Lely and the club communities along Vanderbilt Beach Road and Immokalee Road.
North Naples, Golden Gate & East Naples
The family and year-round neighborhoods inland, where values are lower and equity gains since 2019 are just as real.
Own a home anywhere in Collier County, or elsewhere in Florida? Start your application and we’ll show you what your equity can do.
Built for the Naples market
The Naples details other lenders trip over
Here is how we handle the situations that actually come up here.
Second and seasonal homes
If Naples is your winter home, you can still open a HELOC on it. The Digital HELOC is available on second homes and investment properties in Florida.
Jumbo-sized lines
Lines up to $1,000,000 and up to 90% of value are sized for Naples values, where a $500,000 line is a modest draw on the equity.
Retirees on investment income
A conventional lender may struggle with income that comes from portfolios rather than paychecks. Talk to us about how your income is documented before you apply.
Club and gated communities
Estoppels, membership structures and HOA documents are routine for us. They do not slow a Naples file.
Hurricane hardening and insurance
After Ian, roofs, impact windows and elevation work drive insurance costs across Collier County. A HELOC funds the work that lowers the premium.
Self-employed owners
Naples is full of business owners, many with companies back north. The Bank Statement HELOC qualifies on 12 months of deposits.
Self-employed in Naples? No tax returns needed.
Many Naples homeowners still own the business that paid for the house, often in another state, and a business owner’s tax return rarely shows what actually lands in the account. The Bank Statement HELOC qualifies you on 12 months of bank statements, with an expense factor as low as 25% and a 660 minimum credit score, on lines up to $1,000,000. Want a fixed payment instead, or prefer to qualify on a CPA P&L? See the Bank Statement Second Mortgage.
Keep your low first-mortgage rate
If you locked a first mortgage in the 3s or low 4s, protecting it matters. A HELOC sits alongside your existing loan instead of replacing it, so you tap equity without resetting your whole mortgage at today’s rates.
Keeps your first mortgage. Adds a line only on the equity you want.
×
Cash-out refinance
Replaces your whole mortgage at today’s rate to pull cash out.
For Naples owners holding a low pandemic-era rate, a HELOC is usually the cheaper way to reach your equity.
What Naples homeowners use a HELOC for
Every situation is different, but the reasons Naples owners tap their equity tend to rhyme:
Roof, impact windows and storm hardening to cut a Collier County insurance premium.
Accessing up to $1,000,000 of the equity in a gulf-front or club-community home.
A dock, seawall or boat lift on a canal-front lot.
Down payment on an investment or second property.
Helping children or grandchildren with a home purchase, drawn only as needed.
A standby reserve open and ready but costing nothing until you draw.
See the Naples HELOC rate you’ll actually get
No generic teaser numbers. Tell us about your Naples home and finances, and we’ll show you a rate built around your equity, not somebody else’s.
Home value & equityLoan-to-value (LTV)Credit scoreDraw amountProperty type
See my live rate
Takes a few minutes · won’t affect your credit score
What are HELOC rates in Naples right now? +
Our Naples Digital HELOC rates start at 6.75%*, personalized to your home value, loan-to-value, credit score, draw amount and property type. Checking your rate will not affect your credit score.
Can I get a HELOC on my Naples second home? +
Yes. The Digital HELOC is available on second homes and investment properties in Florida, not just primary residences. Loan-to-value limits differ by occupancy.
How much can I borrow against my Naples home? +
Lines run from $50,000 up to $1,000,000, and you can access up to 90% of value. On a $900,000 home with $350,000 owed, 90% of value is $810,000, leaving room for a line at the $460,000 level, subject to underwriting.
Do you lend in Naples? Your office is in Miami. +
Yes. On Mortgage holds a Florida mortgage broker license, which covers the entire state, and the Digital HELOC is fully online from application to closing. Collier County files are handled exactly like Miami-Dade files.
I’m self-employed. Can I still qualify? +
Yes. Our Bank Statement HELOC lets qualified self-employed borrowers document income with 12 months of bank statements instead of tax returns, with a 660 minimum credit score.
Can a HELOC pay for storm hardening after Ian? +
Yes, and it is one of the most common uses in Collier County. Draw for the roof or windows as the contractor invoices, and pay interest only on what you have drawn.
Is a HELOC better than a cash-out refinance in Naples? +
For owners holding a low first-mortgage rate, yes. A HELOC prices only the equity you tap and leaves the first mortgage untouched.
Nearby areas
HELOC guides for nearby cities
We lend across all of Florida. If you own property nearby, these local guides may help too.
