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Make your house feel like home

Say goodbye to your outdated kitchen, bathroom or bedroom with the help of a home equity line of credit.

Maximize Your Budget

An interest-only home equity line of credit (HELOC) means you pay only the monthly interest during the draw period, which can give your budget some flexibility while you're making home renovations. Keep in mind, interest-only payments will not repay the principal that is outstanding on your line. Plus, enjoy no closing costs on lines of credit of $550,000 or less.1

If you prefer a fixed rate and monthly payment, take a look at our home equity loan.

Call our loan department at (863) 284-5626 or toll free (855) 560-5626 or visit a branch to apply.

View home equity line of credit rates.


Learn about Interest-Only Payments

  • Only pay the monthly interest each month.
  • Pay no closing costs on lines of credit $500,000 or less.1
  • Use the funds over and over again as you borrow and repay.
  • Easily access your funds within Online Banking or over the phone.
  • Lines of credit available from $10,000 to $500,000.
  • Interest may be tax deductible. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult your tax advisor for more information.

How to Apply

Apply Today

Apply in Person - Find your nearest MIDFLORIDA branch

Apply by Phone - Call 855-560-5626

Notices & Disclosures
$5 deposit required. Must be your primary residence. Manufactured homes are not eligible for home equity line of credit. Condos or townhouses are eligible only if loan pays off all other mortgages and liens. Not available for refinance or consolidation of existing MIDFLORIDA loans. Property, and if applicable, flood insurance must be in effect at/prior to closing. Subject to credit approval, satisfactory title search and appraisal. Online appraisal typically used to determine home value. Loan amounts from $10,000 to $500,000. “No Closing Cost” applies to eligible Home Equity Loan or Line of Credit up to and including $500,000 on primary residence with a combined LTV (CLTV) of 75% or less for homes on platted lot and 65% LTV for condos or townhouses. Appraisal and title policy at borrower's expense may be required on other loans. Closing costs subject to recapture within 36 months. Offer may be canceled without notice. Annual Percentage Rate (APR) 3.25% to 18.00% (APR), based on creditworthiness. Variable rate is based on the Wall Street Journal Prime Rate (3.25% as of 4/1/2021) and is subject to change quarterly. Maximum APR is 18.00%. $25 fee for advances less than $100.