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Digital HELOC · Pompano Beach, Florida

Pompano Beach HELOC rates & home equity lines of credit

Pompano Beach is in the middle of a waterfront revival, and home values are up roughly 50% since 2019. Beach-adjacent and waterfront owners hold equity well above the citywide typical value. A Digital HELOC from On Mortgage turns your Broward County home equity into a flexible line of credit you can draw from when you need it, with a fast, fully online application.

6.75% Current Pompano Beach HELOC rate · September 2026
APR, personalized to your numbers*
Apply in minutes See my live Pompano Beach rate →
Starting at 6.75%
Current HELOC rate · APR*
$50k–$750k
Line of credit
Up to 90%
Of your Pompano Beach home’s value
100%
Online application
Current HELOC rates · updated September 2026

Pompano Beach HELOC rates today

These are the current HELOC rates we’re posting for Pompano Beach 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 Pompano Beach HELOC rate
Starting at 6.75%
APR* · personalized to your home & credit · updated September 2026
See my live rate What sets my rate?
Pompano Beach by the numbers

Why Pompano Beach homeowners are sitting on real equity

Pompano Beach is a coastal market being reshaped by beachfront redevelopment, and that’s driving equity for existing owners. Here is the local picture.

~$350,000

Typical Pompano Beach home

The typical home is worth around $350,000, while waterfront and single-family homes run far higher, waterfront averages push past seven figures.

~50%

Value growth since 2019

Home values are up roughly 50% since 2019, and the beachfront redevelopment continues to lift the area, leaving longtime owners with real equity.

56%

Homeowners

More than half of Pompano Beach households own their home, and many bought before the run-up and now hold six figures of equity.

Figures from U.S. Census (ACS 2024) and Zillow (2026). Home values move. Your line is based on a current appraisal of your Pompano Beach home.

How much can Pompano Beach homeowners borrow right now?

If you bought your Pompano Beach 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 Pompano Beach home is worth $400,000 and you owe $180,000. A HELOC that lets you reach up to 90% of value could open a line as large as roughly $180,000, the difference between 90% of the home’s value ($360,000) 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 Pompano Beach

Most Pompano Beach 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 Pompano Beach neighborhood

We work with homeowners and investors throughout Broward County.

Beach & waterfront

Pompano Beach, Harbor Village, Cypress Harbor, and Old Pompano, where beach-adjacent and Intracoastal homes carry the largest equity.

Established single-family

Cresthaven, Garden Isles, and Kendall Green, where longtime owners hold the deepest gains.

55+ & inland

Leisureville and Palm-Aire, popular with long-tenured owners and downsizers.

Own a home anywhere in Broward County, or elsewhere in Florida? Start your application and we’ll show you what your equity can do.

Built for the Pompano Beach market

The Pompano Beach details other lenders trip over

Here is how we handle the situations that actually come up here.

Waterfront & beach redevelopment

Pompano’s beachfront revival has lifted the whole market, and waterfront homes carry equity well above the citywide value. A HELOC lets you tap it for docks, seawalls, or renovations.

Condo-heavy older stock

Much of Pompano is older condos, now facing post-Surfside reserve requirements and special assessments. A HELOC can cover an assessment and draw only what it costs.

55+ communities

Leisureville and Palm-Aire are full of owners who bought long ago and hold significant equity. A HELOC is a flexible way to access it without selling.

Storm-hardening & insurance

Impact windows, a new roof, and wind-mitigation upgrades protect the home and can help on premiums, common HELOC uses on the coast.

Investment & seasonal rentals

The beach supports a strong seasonal rental market. Our Digital HELOC is available on primary, second, and investment homes in Florida.

Self-employed & business owners

Tax returns don’t always tell the full income story. Our Bank Statement HELOC qualifies you on bank statements instead of tax returns.

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.

  • Your first mortgage and its rate stay untouched
  • Borrow only what you draw, when you draw it
  • Reuse the line as you pay it back down
  • Access up to 90% of your Pompano Beach home’s value
Apply now How it works
HELOC vs. cash-out refinance
Digital HELOC
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 Pompano Beach owners holding a low pandemic-era rate, a HELOC is usually the cheaper way to reach your equity.

What Pompano Beach homeowners use a HELOC for

Every situation is different, but the reasons Pompano Beach owners tap their equity tend to rhyme:

See the Pompano Beach HELOC rate you’ll actually get

No generic teaser numbers. Tell us about your Pompano Beach home and finances, and we’ll show you a rate built around your equity, not somebody else’s.

Home value & equity Loan-to-value (LTV) Credit score Draw amount Property type
See my live rate Takes a few minutes · won’t affect your credit score
What are HELOC rates in Pompano Beach right now? +
Our Pompano Beach Digital HELOC rates start at 6.75%*, but your actual rate is personalized to your home value, loan-to-value, credit score, draw amount, and property type. Starting an application shows you the real rate on your equity, and checking won’t affect your credit score.
Are these today’s current HELOC rates? +
Yes. The starting rate shown (6.75% APR*) is the current HELOC rate we post, last updated September 2026. HELOC rates change with the market, so we keep this number current, and your personalized rate is confirmed when you start an application, with no impact to your credit score.
How much can I borrow against my Pompano Beach home? +
Lines run from $50,000 up to $750,000, and you can access up to 90% of your property’s value. For example, on a $400,000 home with $180,000 owed, 90% of value is $360,000, leaving a line as large as about $180,000. Your exact amount depends on your value, existing balance, credit, and property type.
Can I get a HELOC on a Pompano Beach condo? +
Yes. Pompano has a large condo market, and we work with condominium properties across the city, including situations that stricter lenders decline. Tell us about your building and we’ll let you know where you stand.
Can I use a HELOC to pay a condo special assessment? +
Many Pompano owners do. Since Florida strengthened its condo reserve and inspection rules, assessments have become common. A HELOC lets you cover the assessment and draw only what it costs, then pay it back over time.
Do you offer HELOCs on investment properties in Pompano Beach? +
Yes. Our Digital HELOC is available on primary residences, second and vacation homes, and investment properties located in Florida, so you can put the equity in one property to work on another.
I’m self-employed in Pompano Beach. Can I still qualify? +
Yes. Our Bank Statement HELOC lets qualified self-employed borrowers document income with bank statements instead of tax returns.
Is a HELOC better than a cash-out refinance? +
For most Pompano Beach owners who already have a low first-mortgage rate, yes. A cash-out refinance replaces your entire mortgage at today’s higher rate. A HELOC leaves your first mortgage alone and adds a line only on the equity you tap, so you keep the low rate you locked in.
How fast can I get a Pompano Beach HELOC? +
The application is fully online and takes just minutes to start. Our Florida team reviews files quickly and keeps you updated at every step through closing, no branch visit required.
Nearby areas

HELOC guides for nearby cities

We lend across all of Florida. If you own property nearby, these local guides may help too.

Fort Lauderdale HELOC Boca Raton HELOC Coral Springs HELOC All Florida service areas →

Ready to tap your Pompano Beach home equity?

Pompano Beach HELOC rates starting at 6.75%*, personalized to you in minutes.

Apply now Call 954-494-7288