Home Equity Loans & HELOCS 121 Financial is the only institution in town that lets you tap up to 90% of your home's appraised value to finance repairs or renovations.

Our "Honey Do" HELOC is Back & Even Better!

Sick of that pink bathroom tile? Staring at popcorn ceilings? Is your stove older than you are?

Make improvements and upgrades with a flexible “Honey Do” HELOC from 121 Financial with a rate as low as 3.75% and no closing costs when your initial draw is over $20,000. Borrow up to 90% of your home's appraised value -- the most allowed by any lender in Jacksonville -- and get to work.

BONUS: We'll give you a free handyman toolset at closing.

  • Borrow up to 90% of your home's appraised value.
  • Rates as low as 3.75%, depending on creditworthiness. 
  • No closing costs option when with an initial advance of at least $20,000.
  • Receive a free handyman toolset at closing ($100 value).

LOAN AMOUNT: Up to 90% of Loan to Value

INTEREST RATE: As low as 3.75% APR*

*APR = Annual Percentage Rate. Variable rate tied to Wall Street Journal Prime Rate plus a margin. Rate is based on Prime plus .50% and changes when Prime changes. The margin used will depend on your individual creditworthiness. Prime rate is 3.25% as of March 16, 2020. Floor rate 3.50% and maximum rate 18.00%. No closing costs option when you get an initial advance of at least $20,000 at closing. All rates and terms are subject to change without notice. Other restrictions may apply.

**No closing costs option when you receive an initial advance of at least $20,000. If you close your account or pay more than the minimum payment during the first 12 months, we will add any closing costs we paid on your behalf to your outstanding balance.

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