A home equity loan lets Florida homeowners borrow a fixed lump sum against their equity while keeping their first mortgage in place. Repayment follows a set schedule, usually at a fixed rate, so you know what to expect from the first installment to the last. It suits one-time expenses with a clear price. Choose your city below to learn more and talk with a licensed loan officer about what you may qualify for.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Florida recording costs: Documentary stamp tax on deeds and other documents that transfer an interest in Florida real property; documentary stamp tax on notes and recorded mortgages (written obligations to pay money); and nonrecurring intangible tax on mortgages - collected by the county clerk when the document is recorded. Your Loan Estimate lists the taxes that apply to your loan.
Where home equity loans activity is highest in Florida
| County | loans originated (2024 HMDA) |
|---|---|
| Broward County | 2,634 |
| Hillsborough County | 2,530 |
| Miami-Dade County | 2,492 |
| Duval County | 2,312 |
| Orange County | 2,270 |
| Palm Beach County | 1,923 |
| Polk County | 1,603 |
| Brevard County | 1,588 |
| Pinellas County | 1,539 |
| Pasco County | 1,390 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
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Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Home Equity Loans by city in Florida
- Alachua
- Alafaya
- Altamonte Springs
- Apollo Beach
- Apopka
- Arcadia
- Asbury Lake
- Atlantic Beach
- Auburndale
- Aventura
- Avon Park
- Azalea Park
- Bardmoor
- Bartow
- Bay Harbor Islands
- Bayonet Point
- Bayshore Gardens
- Beacon Square
- Bee Ridge
- Bellair-Meadowbrook Terrace
- Belle Glade
- Belle Isle
- Belleview
- Bellview
- Beverly Hills
- Bithlo
- Bloomingdale
- Boca Raton
- Bonita Springs
- Boynton Beach
- Bradenton
- Brandon
- Brent
- Broadview Park
- Brooksville
- Brownsville
- Buenaventura Lakes
- Callaway
- Cape Canaveral
- Cape Coral
- Carrollwood
- Casselberry
- Celebration
- Cheval
- Citrus Hills
- Citrus Park
- Citrus Springs
- Clearwater
- Clermont
- Clewiston
- Cocoa
- Cocoa Beach
- Cocoa West
- Coconut Creek
- Combee Settlement
- Conway
- Cooper City
- Coral Gables
- Coral Springs
- Coral Terrace
- Country Club
- Country Walk
- Crawfordville
- Crestview
- Crystal Lake
- Cutler Bay
- Cypress Gardens
- Cypress Lake
- Dade City
- Dania Beach
- Davenport
- Davie
- Daytona Beach
- DeBary
- DeFuniak Springs
- DeLand
- Deerfield Beach
- Delray Beach
- Deltona
- Destin
- Doctor Phillips
- Doral
- Dundee
- Dunedin
- East Lake
- East Lake-Orient Park
- East Milton
- Edgewater
- Egypt Lake-Leto
- Elfers
- Englewood
- Ensley
- Estero
- Eustis
- Fairview Shores
- Fellsmere
- Fern Park
- Fernandina Beach
- Ferry Pass
- Fish Hawk
- Flagler Beach
- Fleming Island
- Floral City
- Florida City
- Florida Ridge
- Forest City
- Fort Lauderdale
- Fort Meade
- Fort Myers
- Fort Myers Beach
- Fort Myers Shores
- Fort Pierce
- Fort Pierce North
- Fort Walton Beach
- Fountainebleau
- Frostproof
- Fruit Cove
- Fruitland Park
- Fruitville
- Fuller Heights
- Gainesville
- Gateway
- Gibsonton
- Gifford
- Gladeview
- Glenvar Heights
- Golden Gate
- Golden Glades
- Goldenrod
- Gonzalez
- Goulds
- Green Cove Springs
- Greenacres
- Groveland
- Gulf Breeze
- Gulf Gate Estates
- Gulfport
- Haines City
- Hallandale Beach
- Heathrow
- Hernando
- Hialeah
- Hialeah Gardens
- High Springs
- Highland City
- Hobe Sound
- Holiday
- Holly Hill
- Hollywood
- Homestead
- Homosassa Springs
- Horizon West
- Hudson
- Hunters Creek
- Hutchinson Island South
- Immokalee
- Indian Harbour Beach
- Indian River Estates
- Indiantown
- Inverness
- Inverness Highlands South
- Inwood
- Iona
- Islamorada, Village of Islands
- Ives Estates
- Jacksonville
- Jacksonville Beach
- Jan Phyl Village
- Jasmine Estates
- Jensen Beach
- Jupiter
- Jupiter Farms
- Kathleen
- Kendale Lakes
- Kendall
- Kendall West
- Kenneth City
- Key Biscayne
- Key Largo
- Key West
- Keystone
- Keystone Heights
- Kissimmee
- LaBelle
- Lady Lake
- Lake Alfred
- Lake Butler
- Lake City
- Lake Lorraine
- Lake Magdalene
- Lake Mary
- Lake Park
- Lake Placid
- Lake Wales
- Lake Worth
- Lakeland
- Lakeland Highlands
- Lakeside
- Lakewood Park
- Land O' Lakes
- Lantana
- Largo
- Lauderdale Lakes
- Lauderdale-by-the-Sea
- Lauderhill
- Laurel
- Lealman
- Lecanto
- Leesburg
- Lehigh Acres
- Leisure City
- Lely Resort
- Lighthouse Point
- Live Oak
- Lockhart
- Longboat Key
- Longwood
- Loughman
- Lutz
- Lynn Haven
- Macclenny
- Maitland
- Mango
- Marathon
- Marco Island
- Margate
- Marianna
- Mascotte
- McGregor
- Meadow Woods
- Medulla
- Melbourne
- Memphis
- Merritt Island
- Miami
- Miami Beach
- Miami Gardens
- Miami Lakes
- Miami Shores
- Miami Springs
- Micco
- Middleburg
- Midway
- Milton
- Mims
- Minneola
- Miramar
- Miramar Beach
- Mount Dora
- Myrtle Grove
- Naples
- Naples Manor
- Naples Park
- Naranja
- Navarre
- Neptune Beach
- New Port Richey
- New Port Richey East
- New Smyrna Beach
- Newberry
- Niceville
- Nocatee
- North Bay Village
- North Fort Myers
- North Lauderdale
- North Miami
- North Miami Beach
- North Palm Beach
- North Port
- North Sarasota
- North Weeki Wachee
- Northdale
- Oak Ridge
- Oakland Park
- Oakleaf Plantation
- Ocala
- Ocean City
- Ocoee
- Odessa
- Ojus
- Okeechobee
- Oldsmar
- Olympia Heights
- Opa-locka
- Orange City
- Orange Park
- Orlando
- Orlovista
- Ormond Beach
- Ormond-by-the-Sea
- Osprey
- Oviedo
- Pace
- Pahokee
- Palatka
- Palm Bay
- Palm Beach
- Palm Beach Gardens
- Palm City
- Palm Coast
- Palm Harbor
- Palm River-Clair Mel
- Palm Springs
- Palm Springs North
- Palm Valley
- Palmetto
- Palmetto Bay
- Palmetto Estates
- Panama City
- Panama City Beach
- Parkland
- Pasadena Hills
- Pebble Creek
- Pelican Bay
- Pembroke Park
- Pembroke Pines
- Pensacola
- Perry
- Pine Castle
- Pine Hills
- Pine Ridge
- Pinecrest
- Pinellas Park
- Pinewood
- Plant City
- Plantation
- Poinciana
- Pompano Beach
- Port Charlotte
- Port LaBelle
- Port Orange
- Port Salerno
- Port St. John
- Port St. Lucie
- Princeton
- Progress Village
- Punta Gorda
- Quincy
- Richmond Heights
- Richmond West
- Rio Pinar
- River Park
- River Ridge
- Riverview
- Riviera Beach
- Rockledge
- Rotonda
- Royal Palm Beach
- Ruskin
- Safety Harbor
- Samsula-Spruce Creek
- San Carlos Park
- Sanford
- Sanibel
- Sarasota
- Sarasota Springs
- Satellite Beach
- Sebastian
- Sebring
- Seffner
- Seminole
- Shady Hills
- Siesta Key
- Silver Springs Shores
- Sky Lake
- South Apopka
- South Bay
- South Bradenton
- South Daytona
- South Gate Ridge
- South Highpoint
- South Miami
- South Miami Heights
- South Pasadena
- South Patrick Shores
- South Sarasota
- South Venice
- Southchase
- Southeast Arcadia
- Southgate
- Southwest Ranches
- Spring Hill
- Springfield
- St. Augustine
- St. Augustine Beach
- St. Augustine Shores
- St. Augustine South
- St. Cloud
- St. Pete Beach
- St. Petersburg
- Starke
- Stuart
- Sugarmill Woods
- Sun City Center
- Sunny Isles Beach
- Sunrise
- Sunset
- Surfside
- Sweetwater
- Tallahassee
- Tamarac
- Tamiami
- Tampa
- Tarpon Springs
- Tavares
- Temple Terrace
- Tequesta
- The Acreage
- The Crossings
- The Hammocks
- The Villages
- Thonotosassa
- Three Lakes
- Tice
- Timber Pines
- Titusville
- Town 'n' Country
- Treasure Island
- Trinity
- Union Park
- University
- University Park
- Upper Grand Lagoon
- Valparaiso
- Valrico
- Venice
- Venice Gardens
- Vero Beach
- Vero Beach South
- Viera East
- Viera West
- Villas
- Warm Mineral Springs
- Warrington
- Wauchula
- Wedgefield
- Wekiwa Springs
- Wellington
- Wesley Chapel
- West Lealman
- West Little River
- West Melbourne
- West Miami
- West Palm Beach
- West Park
- West Pensacola
- West Perrine
- West Samoset
- West Vero Corridor
- Westchase
- Westchester
- Westgate
- Weston
- Westview
- Westwood Lakes
- Whiskey Creek
- Wildwood
- Williamsburg
- Willow Oak
- Wilton Manors
- Wimauma
- Winter Garden
- Winter Haven
- Winter Park
- Winter Springs
- World Golf Village
- Wright
- Yulee
- Zephyrhills
- Zephyrhills South
- Zephyrhills West
Common questions
Is a home equity loan the same as a second mortgage?
A home equity loan is one type of second mortgage. The term second mortgage describes any loan in second lien position behind your first mortgage, which includes both home equity loans and HELOCs. A home equity loan is the closed-end version: one lump sum, a set repayment schedule and usually a fixed rate. A HELOC is the open-ended, revolving version.
Can I have a home equity loan and a HELOC at the same time?
It is possible, but adding a third lien is uncommon and many lenders will not lend behind two existing loans. More often, the new home equity loan pays off an existing HELOC at closing so the borrower has one fixed second mortgage instead of a variable line. A loan officer can review your title and existing liens to see what may be allowed.
What does combined loan-to-value mean?
Combined loan-to-value, or CLTV, compares the total of every loan secured by your home with its appraised value. Lenders add your first mortgage balance to the requested home equity loan and check that the total stays under their ceiling. Each lender sets its own limit, and it can differ by occupancy and credit. The more equity you have, the more room you may have to borrow.
Related guides
- What Is a Second Mortgage?
- HELOC vs. Home Equity Loan: Which Way to Tap Your Equity
- Cash-Out Refinance vs. HELOC: Choosing How to Use Your Equity
- First-Time Home Buyer Programs in Florida
Home Equity Loans overview · Florida mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025