5-Day HELOC in Florida — Fast Access to Home Equity
If you’re a homeowner in Winter Garden or anywhere in Florida, a 5-Day HELOC (Home Equity Line of Credit) may offer a faster, more flexible way to tap into your home’s equity without the delays of traditional lending.
This modern HELOC option uses a streamlined, mostly online process designed to help qualified borrowers review available options quickly.
✔ Takes about 1–2 minutes to get started
✔ Soft credit review for pre-qualification
What Is a 5-Day HELOC?
A 5-Day HELOC is a home equity line of credit designed to close significantly faster than traditional HELOC programs.
Instead of a full in-person appraisal, this program typically relies on an automated valuation model (AVM) and digital verification tools to help determine property value.
For qualified Florida homeowners, funding may be available in as little as five business days after completing required steps.
Key 5-Day HELOC Highlights
- Potential funding in as little as 5 business days
- Up to 80% loan-to-value in many cases
- Typically requires 640+ credit
- Available for primary residences and investment properties
- Soft credit pull to review options
- No traditional appraisal — AVM used in most cases
- Fully online borrower experience
All programs are subject to lender guidelines, underwriting, and final approval.
How the Process Works
- Complete the short online HELOC form
- Soft credit review is completed
- Property value reviewed using AVM in most cases
- Available HELOC options are generated
- You receive an email with your options
- Funds are deposited after the 3-day rescission period
Frequently Asked Questions
Does checking my HELOC options affect my credit?
No. The initial review uses a soft credit pull and does not impact your credit score.
Is an appraisal required?
In most cases, no traditional appraisal is required. An automated valuation model (AVM) is typically used to help speed up the process.
How fast can I receive funds?
Some qualified borrowers may receive funds in as little as five business days.
Is this available throughout Florida?
Yes. This program is available statewide, including Winter Garden and Central Florida.
See What 5-Day HELOC Options May Be Available
Complete a quick online form to review potential HELOC options. No Social Security number is required to start.
Get Started
Questions? Call or text (407) 758-7166
Serving Winter Garden & Florida homeowners