HELOC Inquiry

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100% Online Application

No in-person appraisal needed. Get approved in 5 minutes.

Option to redraw up to 100%

Take advantage of the option to redraw up to 100%.

Funding in as few as 5 days

Borrow up to $400,000 with one-time origination fee.

Online Video Notary and Support

Our average response time is less than 45 seconds.

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Unlock the potential of your Home's Equity

What can I use a Home Equity Line of Credit for?

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Lives We Helped Change

Bay to Bay Lending IconBay to Bay Lending

326 S Hyde Park Ave Suite B, Tampa

4.6 35 reviews

  • Avatar Katie Clemens ★★★★★ a month ago
    My husband and I had a fantastic experience working with Don at Bay to Bay Lending when purchasing our home earlier this year. He is incredibly knowledgeable, extremely responsive (kept us informed every step of the way!), and truly had … More our best interests in mind. Don walked us through multiple options, helped us think through what made the most sense for us, and got a very competitive rate - with an excellent overall package. We can’t recommend Don highly enough!
  • Avatar Lindsey Hawthorne ★★★★★ 2 weeks ago
    Jerry was beyond helpful, kind, and honest! Truly the best mortgage broker out there! Very willing to answer any and all questions me and my fiancée had for our first home buying process! Will definitely be recommending to other family … More and friends!
  • Avatar Cody Conti ★★★★★ a month ago
    DJ and his team were outstanding in helping my fiancé and I buy our first home. He was incredibly knowledgeable, responsive, and made the entire process easy to understand. We closed quickly and smoothly, and we always felt confident we … More were in good hands. I highly recommend Bay to Bay Lending!
  • Avatar Kathryn Plouffe ★★★★★ a month ago
    DJ, Jay, and Jessica were all amazing to work with. We had a not so easy file that we worked together to get to the finish line. Having a lender that truly cared and wanted the best for their client was the key to getting this one closed. … More
    Kathryn Plouffe
    Sr. Escrow Officer
    Propy Title & Escrow

Peace of Mind

Having a HELOC gives you peace of mind and security for all of life’s unexpected events.

Retirement

Access Cash without selling your home. If your retirement income isn’t enough to cover your expenses, you can use a HELOC to supplement it. This can be especially helpful if you have unexpected expenses or to cover the cost of long-term care.

Fund Your Business

The commercial and business credit market is tightening. Our HELOC can be used to fund your business for payroll, expansion, and capital improvements, and more.

Pay Education Expenses

With home equity at an all-time high our HELOC options could be a great lower rate alternative to costly student loans.

Home Improvement

Nothing adds value to a home more than upgrades, additions, and improvements. Rest assured with a fixed amortizing monthly payment in terms of 5, 10, 15, 20, 25 and 30 year terms.

Payoff High Interest Debt

Re-Ignite your cashflow and free yourself from high interest installment and revolving debt into one lower amortizing monthly payment.

Payoff High Interest Debt

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