express line of credit

get cash from your house (without leaving the couch)

Get cash from your home’s equity in as few as 5 days. Reach your financial goals with our quick and easy process, all from the comfort of your home.

Find My Rate


It's never been easier to access your home's equity.

apply now in minutes with our 100% online application

low credit score programs available

available for primary, second home, and investment properties

Our service and speed gets people talking

5 out of 5

So Efficient

Highly recommend HomeFi! So efficient and easy to work with. HomeFi has been there for me throughout my process to answer all my questions quickly and in ways I understood. I would absolutely recommend.
- S. Bell from Crestview, FL
- November, 2023


Commitment, Communication, and completion. Top notch. These folks are on their game. Cannot give a ten star or I would.
- Camille D. from Pensacola, FL
- October, 2023

Top Notch

HomeFi and our loan officer are top notch! My husband is a veteran and we were mislead by another [lender] so we contacted HomeFi. They immediately took care of our concerns. We were able to close on time & had a BETTER experience closing with HomeFi! Would HIGHLY recommend!
- Tara R. from Milton, FL
- September, 2023

How it Works

Access your home equity in four simples steps. Our process is fast, secure, and 100% online. Have questions? Call us at (850) 424-7277.

Apply Online

Complete our online application in less than 5 minutes. Get approved in less than 24 hours.

Apply Now
Submit Documents

Upload documents digitally and securely through the HomeFi® customer portal.

Close Your Loan

Track your progress through the portal and get to closing fast. Close from anywhere with an approved closing agent.

Receive Your Cash

Your cash is wired directly to your bank. Use your funds to pay down debt, make home improvements, or purchase an investment property.