Unlock Your Home's Value

Access your home’s equity for home improvements, unexpected expenses, education, and more with a flexible HELOC. Use the funds when and how you need them.

Connect with a Home Equity Expert at a Banking Center

Your Equity. Your Choice.

Put your home’s equity to work with a flexible HELOC.

Home Equity Line of Credit (HELOC)

Enjoy flexible spending options on your terms.

Borrow against the equity in your home with a revolving line of credit. Access funds as needed, up to a predetermined limit, and repay the borrowed amount with variable interest rates – just like a credit card.

BayFirst HELOC Loan Features:

  • Borrow up to 80% of your home's value
  • 10-year draw with up to 20-year repayment period

Still Have Questions?

Connect With Us.

Find Your Closest Banking Center

Home Equity LOC FAQ

HELOCs can be used for various purposes, including home renovations, debt consolidation, education expenses, or other major purchases.

A HELOC offers a revolving line of credit with variable interest rates and typically provides ongoing access to funds for various needs.

With a HELOC draw you can access funds (or a portion of your funds) as needed, similar to using a credit card, and only pay interest on the amount you've withdrawn.

Call or stop into a local BayFirst banking center to get started today.

The average time from application to approval is typically around 2 to 6 weeks, depending on how quickly the borrower can supply the required information and documentation. A motivated and responsive borrow can cut that time down significantly.

There may be additional fees involved, such as application fees, appraisal fees, and annual maintenance fees for HELOCs. Appraisal fees are not covered by BayFirst.
BayFirst Home Equity Line of Credit/Consumer products are offered only to customers who maintain their primary deposit and banking relationship with BayFirst. Applicants may be required to establish or maintain qualifying deposit accounts as a condition of eligibility. All loans are subject to credit approval, underwriting standards, collateral requirements, and other applicable terms and conditions. BayFirst reserves the right to modify or discontinue this program at any time. BayFirst determines, in its sole discretion, whether an applicant maintains a primary banking relationship with the Bank. Additional restrictions and eligibility requirements may apply.