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Find Home Equity Loan Specialists Near You in Winter Springs, FL

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

3 agents listed
Updated June 2026
Winter Springs, 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 3 home equity loan specialists in Winter Springs, 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.
That Mortgage Guy Don @ HAPPY HOME MORTGAGE LLC
1401 Town Plaza Ct #2030a, Winter Springs, FL 32708
(941) 220-6741 thatmortgageguydon.com
Leading Edge Title of Central Florida
1315 Tuskawilla Rd #101, Winter Springs, FL 32708
(407) 699-7773 letcf.com
Trustco Bank
851 E State Rd 434, Winter Springs, FL 32708
(407) 327-6064 trustcobank.com

A home equity loan specialist in Winter Springs, Florida helps homeowners access cash by using their property as collateral. Florida law exempts homestead property from forced sale for most debts, but a home equity loan creates a voluntary lien. Specialists guide clients through Florida-specific regulations, including the homestead exemption and the 45-day rescission period for certain loans.

What Does a Home Equity Loan Specialist in Winter Springs Cost?

Typical costs for a home equity loan specialist in Florida include origination fees of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title search fees of $150 to $400. Closing costs generally range from 2% to 5% of the loan total. This is general information, 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 does a home equity loan specialist do in Winter Springs?
A specialist evaluates your property value and equity to recommend loan options. They help with paperwork and ensure compliance with Florida lending laws. They do not provide legal advice but can refer you to a Florida real estate attorney if needed.
What Florida laws affect home equity loans?
Florida law requires a 3-day right of rescission for most home equity loans under the Truth in Lending Act. The state also caps interest rates on certain loans and protects homestead property from creditors. Specialists must follow the Florida Office of Financial Regulation rules.

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