HELOC (Line of Credit)

HELOC — Home Equity Line of Credit | South Florida Quality Mortgage
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Home Equity Line of Credit

HELOC — Tap Your Home Equity

A Home Equity Line of Credit (HELOC) lets you access your home’s equity as a revolving line of credit — borrow what you need, when you need it. Available for primary residences and investment properties of all sizes.

All
Loan sizes
Primary
& investment properties
23+
Years experience
Get Pre-Qualified Today Call 954-455-7625

Get Pre-Qualified Today

Response time 24 hours or less — usually same day.

No obligation. No credit pull. NMLS #376794

All
Loan sizes
Revolving
Line of credit
Primary
& investment properties
23+
Years in Florida
Common Uses

What Can You Use a HELOC For?

Your home equity is one of your most valuable assets. A HELOC gives you flexible access to it — use it for almost any purpose.

Home Renovations

Fund kitchen remodels, bathroom upgrades, additions, or any home improvement project — and potentially increase your home value.

Debt Consolidation

Consolidate high-interest credit card debt or other loans into a single lower-rate line of credit secured by your home.

Real Estate Investment

Use your equity as a down payment on an investment property or to fund a fix and flip project.

Emergency Fund

Keep a HELOC open as a financial safety net — only pay interest on what you actually use.

Education Expenses

Fund tuition, fees, and education expenses for yourself or your children using your home equity.

Business Funding

Use your home equity to fund a business startup, expansion, or cover operating costs at a lower rate than business loans.

How It Works

How a HELOC works

A HELOC gives you a revolving credit line secured by your home equity — borrow, repay, and borrow again during the draw period.

1

Apply

Fill out our short form or call us. We review your home equity, credit, and financial situation same day.

2

Appraisal & Approval

We order an appraisal to confirm your home value and determine your available credit line.

3

Draw Period

Once approved you can draw from your credit line as needed — only pay interest on what you use.

4

Repayment

Repay what you borrow during the draw period or repayment period — flexible and revolving.

Why Choose Us

Why Choose SFQMC for Your HELOC

We offer HELOCs on primary residences and investment properties — giving you more options than most lenders.

Primary & Investment Properties

We offer HELOCs on both primary residences and investment properties — most lenders only do primary residences.

Access to Many Wholesale Lenders

As a licensed mortgage broker we shop a wide network of wholesale banks to find the best HELOC terms for your situation.

We Are Also a Direct Lender

For loans we originate in-house, decisions are made faster with more flexibility than going through a traditional bank.

23 Years in South Florida

We know this market and the property values. Local experience means accurate appraisals and faster closings.

Common Questions

HELOC FAQs

Answers to the questions we hear most often from homeowners considering a HELOC.

What is a HELOC?
A HELOC (Home Equity Line of Credit) is a revolving line of credit secured by the equity in your home. Similar to a credit card, you can borrow up to your credit limit, repay it, and borrow again during the draw period. You only pay interest on what you actually use.
How much can I borrow with a HELOC?
The amount depends on your home value, existing mortgage balance, credit score, and the lender’s guidelines. Most lenders allow you to borrow up to 80-85% of your home’s value minus your existing mortgage balance. Call us for a free estimate based on your specific situation.
Can I get a HELOC on an investment property?
Yes — we offer HELOCs on investment properties as well as primary residences. Investment property HELOCs may have different terms and requirements than primary residence HELOCs. Call us to discuss your specific situation.
What is the difference between a HELOC and a home equity loan?
A HELOC is a revolving line of credit — you borrow what you need when you need it. A home equity loan gives you a lump sum upfront with fixed monthly payments. A HELOC offers more flexibility while a home equity loan provides predictable payments.
What credit score do I need?
Credit requirements vary by lender. Generally a score of 620 or higher is needed for most HELOC programs, though stronger scores will qualify for better rates. Call us to discuss your situation — we have access to multiple lenders with different requirements.
How long does it take to get a HELOC?
The HELOC process typically takes 2 to 6 weeks from application to funding, depending on the appraisal timeline and lender requirements. We work to move as quickly as possible and keep you updated throughout the process.

Ready to Access Your Home Equity?

Call us or apply online — we respond same day, usually within the hour.
No obligation. No credit pull.

Call (954) 455-7625 Apply Online