HELOC vs Home Equity Loan

Ready to tackle your next home improvement project or another big expense? A home equity line of credit or home equity loan from BayFirst can help finance it. Get flexible spending options, easy access to your funds, a competitive interest rate, and personalized support from our lenders. Get started and let your home's equity help you tackle whatever’s next.

Why BayFirst?

At BayFirst, we’re Here For What’s Next® - including your next big remodel or expense. But before you start drawing up blueprints or packing your kid up for college, you’ll need to find the right loan. For more than 20 years, BayFirst’s expert lenders have been helping homeowners like you find the best way to tap into their home's equity to ensure future financial success.

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What's Next? Get Started.

Applying for your home equity loan or line of credit can be done online or in person. You’ll just need to:

  1. Gather your information. Applicants should have a solid credit score (a minimum of 660 is needed), proof of income, one year of W-2s, recent bank statements and mortgage statements.
  2. Apply. Visit our portal to begin online, or schedule a meeting with one of our experts at a banking center near you.
  3. Make your home's equity work for you. Just be sure to stay on top of your monthly payments.

Apply Today