Home Equity Loans & Lines of Credit
Your home is the foundation of new dreams.
Smart Borrowing For Homeowners
Enjoy easy financing with competitive rates and receive up to $500 credit towards closing costs with home equity loans and lines of credit* from RadiFi.
Fixed Rate Home Equity Loan
Borrow against the equity in your home for a variety of financing needs.
Gain peace of mind with a fixed interest rate to cover a large purchase, with funds disbursed to you in one lump sum.
Home Equity Line of Credit (HELOC)
Take advantage of a revolving credit line with a variable interest rate and payment amount.
Access cash, choose your monthly payment based on the outstanding balance, and easily advance funds with convenience checks or via digital banking.
Home Improvement Loan
Keep the financing of your next home improvement project simple.
A Home Improvement Loan from RadiFi is ideal for those seeking a fixed rate and low monthly payment for work completed by a contractor or for small do-it-yourself projects.
Pick Your Path
You have options when it comes to tapping into your home equity. Consider your options below and reach out to RadiFi today for more information and assistance.
NOTE: Home Equity Loans and Home Equity Lines of Credit (HELOCs) available for primary residences in Florida and Southern Georgia only.
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Loan Paid Off In |
% Of Closing Cost Reimbursed to RadiFi by the Borrower |
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* All rates include up to $500 credit toward closing costs. However, reimbursement is required as a percentage of the fees if the loan is paid off in less than 3 years. Closing cost fees may range from $400 to $2,000 or more based on the size of your loan. These fees are shown on the addendum to your note. Here is a list of the standard closing cost fees. Flood Certification: $16.00
Higher appraisal fees may apply on a case-by-case basis. Full appraisals are needed for loans over $100,000 and for LTVs above 90%. Title Fees:
State of Florida Documentary Stamps: .0035 times the loan amount. Rates are effective as of July 1, 2023 and are based on creditworthiness and Loan to Value. Rates are subject to change without notice. Full appraisals required for loans over $100,000. |
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Loan Paid Off In Less than 12 Month |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 100% |
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Loan Paid Off In Less than 24 Months |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 50% |
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Loan Paid Off In Less than 36 Months |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 25% |
Receive a relationship discount of 0.25% off your next home equity loan!
Our thanks for being a great RadiFi Member.
Qualify for our discount by having an active checking account and $1,000+ per month in payroll direct deposit.
If you meet the established criteria for this discount, 0.25% APR* will automatically be taken off of your loan rate.
* APR=Annual Percentage Rate. Social Security direct deposits are considered Payroll Direct Deposit. Offer excludes mortgages, credit cards, personal loans, and other loans. Offer subject to change without notice.
No. In order to qualify, you must have at least $1,000 in non-transfer deposits within a 30-day period.
No. Any loan amount would qualify for the relationship pricing discount.
HAVE QUESTIONS? LET’S CHAT.
Our local team of mortgage experts are ready and able to answer your questions regarding home buying, refinancing, home equity loans and lines of credit, and more.