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Find Home Equity Loan Specialists in Niceville, FL

Looking for a home equity loan specialist in Niceville? Review the directory below to compare your options.

6 agents listed
Updated June 2026
Niceville, 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 6 home equity loan specialists in Niceville, 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.
Steve Schutt NMLS #342876 Movement Mortgage
1054 E John Sims Pkwy, Niceville, FL 32578
(850) 897-8971 movement.com
heather calvo
1845 E John Sims Pkwy, Niceville, FL 32578
(850) 362-6901 waterstonemortgage.com
University Lending Group
2600 Partin Dr N Suite 310, Niceville, FL 32578
(850) 279-4630 universityloanofficer.mymortgage-online.com
Beach Community Mortgage
100 Armstrong Ave, Niceville, FL 32578
(850) 678-3990 beachcommunitymortgage.com
Assurance Financial - Niceville, FL
1382 E John Sims Pkwy, Niceville, FL 32578
(850) 343-4365 assurancemortgage.com
Superior Home Loans
238 Karen Ct, Niceville, FL 32578
(850) 678-4663

A home equity loan specialist in Niceville Florida helps homeowners access the equity in their property through a lump sum loan. Florida law requires lenders to follow specific disclosure rules under the Truth in Lending Act and state regulations. Niceville residents often use these loans for home improvements debt consolidation or major purchases.

What Does a Home Equity Loan Specialist in Niceville Cost?

Typical costs for a home equity loan specialist in Florida include origination fees of 0.5 to 1.5 percent of the loan amount. Appraisal fees range from 300 to 600 dollars. Closing costs may total 2 to 5 percent of the loan. Some lenders charge application fees of 100 to 500 dollars. Costs vary by lender loan size and property value. 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 Niceville Florida?
A home equity loan specialist guides you through the process of applying for a home equity loan. They help you understand your loan options review your financial situation and submit paperwork to lenders. They also explain Florida specific rules such as homestead exemption limits and lien priority.
How much equity do I need for a home equity loan in Florida?
Most lenders in Florida require you to have at least 15 to 20 percent equity in your home. This means your loan balance plus the new loan cannot exceed 80 to 85 percent of your homes appraised value. Your specialist can calculate your exact equity position.

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