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Home Equity Loan Specialists in Fleming Island, FL

Directory of home equity loan specialists in Fleming Island, Florida. Verify credentials with the state state mortgage licensing authority before hiring.

2 agents listed
Updated June 2026
Fleming Island, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Florida before hiring.
Showing 2 home equity loan specialists in Fleming Island, FL Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
First Look Home Loans
4605 US-17 #2, Fleming Island, FL 32003
(904) 863-3977 firstlookhomeloans.com
Guild Mortgage Company
1824 Town Center Blvd Suite 103, Fleming Island, FL 32003
(904) 219-1417 branches.guildmortgage.com

A home equity loan specialist in Fleming Island, Florida helps homeowners access cash from their property equity. Florida law allows lenders to place a second mortgage on your home, and the loan amount depends on your equity and credit history. Local specialists understand the Clay County real estate market and can guide you through the application process.

What Does a Home Equity Loan Specialist in Fleming Island Cost?

Typical costs for a home equity loan specialist in Florida include an origination fee of 0.5 to 1.5 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and closing costs of 2 to 5 percent of the loan. For a 50,000 dollar loan, total fees may range from 1,500 to 4,000 dollars. Florida law requires lenders to disclose all fees in a Loan Estimate. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What is a home equity loan specialist in Fleming Island?
A home equity loan specialist is a professional who helps you apply for a loan using your home equity as collateral. In Florida, these loans are regulated under Florida Statutes Chapter 494, which requires lenders to be licensed. The specialist reviews your property value, income, and credit to find a suitable loan product.
How much equity do I need for a home equity loan in Florida?
Most lenders in Florida require at least 15 to 20 percent equity in your home. This means your loan amount plus your existing mortgage cannot exceed 80 to 85 percent of your home appraised value. Your specialist will calculate your loan-to-value ratio to determine eligibility.

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