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Quickie Home Equity

Stopwatch inside houseTurn Your Home's Equity into Cash in 12 Days

Quick Close | Low Rates | No Appraisal Needed

You've built up the equity in your home over the years...why wait a month or longer to access it? With a Home Equity Loan from GTE Financial, you'll receive your money FAST so that you can get started on your project, vacation, or big purchase sooner!

A Home Equity Loan or Home Equity Line of Credit from GTE Financial is a great choice for a number of reasons:

Quick Close

We've streamlined the entire Home Equity loan process from start to finish and can go from application to funding in about 12 days!* 

No Appraisal Needed**

Why pay hundreds of dollars for an appraisal when you don't need to? In most cases, we can determine the value of your home in minutes by using our Automated Valuation Model (AVM) software...at no cost to you!

Low Rates

Shop around, our Home Equity rates are some of the lowest in the Tampa Bay area and beyond!

NameRates As Low As
7 Year Home Equity
15 Year Home Equity
Home Equity Line of Credit (5 Year Interest Only)

To get started, stop by a Community Financial Center, give us a call at (888) 871-2690 ext 40436 or apply online using the button below. It only takes a few minutes to apply and find out how much equity is avaialable in your home!

​Apply Online Find a Location  Call Us

*APR = Annual Percentage Rate. The following rates are effective on March 1st, 2019. Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. Eligibility and Membership in GTE Financial required. Rates subject to change at any time. The APR is a variable rate and is based on the Prime rate as disclosed in The Wall Street Journal plus s a margin based on your credit history. The rate is subject to change. Maximum APR that can apply is 12%.

 Terms & Conditions

 Your actual APR may differ based on your ability to repay, credit history, approved loan amount and term. Subject to final credit, collateral review and approved lien-position. The minimum approved credit line $10,000.00 and the Maximum of $100,000.00 loans subject to a Five year (5) draw period with interest only payments. Homeowners Insurance is required, Flood Insurance may be required. Credit Line together with any other mortgage(s) cannot exceed 90% of the property value on 1-4 family, owner-occupied properties. Property must be located in Florida. Non Owner-Occupied subject to different terms and conditions. Annual fee of $100.00 For Equity Lines of Credit, fee waiver applicable if the balance of the line exceeds $10,000.00 or 50% whichever is less. Your actual APR may vary based on your actual loan amount. Please visit the Loan Consultant for additional information about our rates and fees. Rates are subject to change without notice. Your actual rate and/or points may be different, as many factors are evaluated for a loan approval.

**Automated Valuation Model software may not be able to be used for every loan, and in these cases, an appraisal will be required.

*The Home Equity Loan 10-12 day closing (excluding Saturday, Sunday and Federal Holidays) is from the date of receiving a completed application. Any delays due to an incomplete application are not covered. The Home Equity Loan 10-12 day closing is based upon all required borrower supporting documents being received electronically within 5 days of complete application. In addition to the oral or written request for credit, required information and documentation from the applicant(s) includes but is not limited to: income pay stubs, W-2 statements, tax returns, any other type of verification necessary to substantiate income, asset verification, title verification and any other additional information requested. Credit is subject to approval. Adequate property value and a clear title is also needed for qualification. Appraisal must be paid for by applicant within 5 days of application. Simultaneous loan closing are not eligible for this promotion. The 10-12 Day closing does not cover delays caused by third parties delivering required documentation on behalf of the applicant(s). ** Home Equity Loan must be newly funded with a minimum amount of $25,000 in order to earn Go Points. Points can be earned on multiple Home Equity Loans as long as they are on different properties. Points should appear within 72 hours of opening the account. Go Points for a HELOC are earned with an initial minimum draw of $10,000 within the first 45 days. Any balance must be maintained for at least 90 days. A minimum balance must be maintained for at least 3 months. Points can only be earned once and will typically post the next business day after the 3 month period if requirements are met. *** For loans of $10,000 - $100,000 with First Lien Position and a 90% maximum loan to value. All rates are based on evaluation of credit history, LTV, loan amount and occupancy, so your rate may differ. Offer is subject to change or cancellation without notice. Federally insured by NCUA. Equal housing lender.

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