Home Equity Loans & HELOCs
Put Your Home Equity to Work
Access your home’s equity without necessarily refinancing your current first mortgage.
Keep your current first mortgage. Explore options that may let you access your equity without replacing your current first mortgage.
- HELOCs, Home Equity Loans & Cash-Out Options
- Use funds for home improvements, debt consolidation, major expenses and more
- Fast, simple process with personalized guidance
Get Started
See How Much Equity I Can Access
Tell us a little about your property to explore your home equity options.
Our online equity check is being finalized.
Speak with a loan specialist now to explore your home equity options:
Your information is kept private and used only to discuss your mortgage options. Privacy Policy · NMLS #1469870
Personalized Guidance
Experienced mortgage professionals
Multiple Options
Access to multiple mortgage solutions
Florida Expertise
Serving homeowners throughout Florida
No Obligation
Explore available options without a commitment
How it works
Three Simple Steps
Tell us about your home
Share your property details, goals and contact information in our short form.
Review your options
A loan officer reviews your information and walks you through the programs that may be available to you.
Choose what fits
If you decide to move forward, we help guide you through the application process.
Home equity options
One Conversation. Several Ways to Access Your Equity.
You don’t need to know which option fits. Some options may let you access equity without replacing your current first mortgage. Tell us about your home and your goals, and we’ll help determine the approach that makes sense for you.
HELOC
A revolving line of credit secured by your home. Draw funds as you need them during the draw period. Rates are typically variable.
Home Equity Loan
A one-time lump sum with a set repayment schedule, often at a fixed rate — useful for a single large expense.
Cash-Out Refinance
Replace your current mortgage with a new, larger loan and receive the difference in cash. May make sense depending on your current rate.
Full-service mortgage brokerage
More Ways We Can Help
Merchant One Financial helps Florida homeowners and buyers with a wide range of mortgage needs.
Buy a Home
Conventional, FHA and VA purchase options for first-time and move-up buyers.
Refinance
Explore refinancing to change your rate, term or monthly payment.
Investment Property / DSCR
Financing for rental and investment properties, including DSCR loans based on a property’s cash flow.
Non-QM / Bank Statement
Alternative documentation options, such as bank statement loans, for self-employed borrowers.
Reverse Mortgage (HECM)
For homeowners 62 and older exploring a Home Equity Conversion Mortgage.
VA Loans
Mortgage options for eligible veterans, service members and surviving spouses.
What Florida Homeowners Use Home Equity For
Home Improvements
Renovations, repairs, roofs, pools and upgrades.
Debt Consolidation
Combine higher-interest balances into one payment.
Credit Card Payoff
Pay down revolving high-interest credit card debt.
Education
Tuition and education expenses for your family.
Major Purchases
Large planned expenses without draining savings.
Emergency Reserves
A cushion for the unexpected.
Borrowing against your home uses your home as collateral. Consider your options and budget carefully before borrowing.
FAQ
Home Equity Questions, Answered
What is a HELOC?
A home equity line of credit (HELOC) is a revolving line of credit secured by your home. You can draw funds as needed during the draw period and repay over time. HELOC rates are typically variable.
What is the difference between a HELOC and a home equity loan?
A HELOC works like a credit line you draw from as needed. A home equity loan provides a one-time lump sum with a set repayment schedule, often at a fixed rate.
How much equity can I access?
It depends on your home’s value, your current mortgage balance, your credit, your income and the lending program’s guidelines. A loan officer can walk you through the numbers for your situation.
What can I use the funds for?
Homeowners commonly use home equity for home improvements, debt consolidation, education expenses, major purchases or emergency reserves.
Who is Merchant One Financial?
Merchant One Financial LLC (NMLS #1469870) is a Florida mortgage broker established in 2015, with offices in Pinellas County, serving homeowners throughout Florida.
I’m 62 or older. Is a reverse mortgage an option?
Possibly. A Home Equity Conversion Mortgage (HECM) is designed for homeowners 62 and older. Learn more about reverse mortgages.
Ready to Put Your Home Equity to Work?
Answer a few quick questions or call to speak with our team.
Merchant One Financial LLC — your trusted Florida mortgage broker since 2015.
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Our Locations
Largo
12800 Indian Rocks Rd #5c
Largo, FL 33774
Belleair
2401 West Bay Dr #4110
Largo, FL 33770
Merchant One Financial LLC · NMLS #1469870 · NMLS Consumer Access
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.
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