Florida properties only. The programs advertised on notaxreturnsheloc.com are available only for eligible properties located in the State of Florida.

Finibi Mortgage is a licensed mortgage broker, not a direct lender. Finibi Mortgage may submit applications to one or more third-party lenders. Approval, pricing, program availability, loan terms, and underwriting requirements are determined by the applicable lender.

The term “No Tax Return HELOC” refers to eligible programs that may permit borrowers to qualify without using personal or business income-tax returns. It does not mean no documentation, no income review, no credit review, or guaranteed approval. Business bank statements, personal bank statements, verified deposits, and other documentation may be required.

1. Program description. A home equity line of credit, or HELOC, is secured by real property. Eligible Florida homeowners may be able to qualify using business or personal bank deposits instead of traditional tax-return documentation. Program requirements vary according to the lender, borrower, property, occupancy, credit profile, lien position, and intended use of proceeds.
2. Eligibility and approval. All loans are subject to application, credit approval, verification, acceptable property valuation, sufficient equity, title review, lender underwriting, and program availability. Submission of an inquiry, prequalification request, or application does not guarantee approval or any particular loan amount, interest rate, payment, or closing date.
3. Florida availability. This website is intended exclusively for borrowers seeking financing secured by eligible Florida real estate. Eligible property types may include primary residences, second homes, and certain investment properties, subject to lender guidelines.
4. Loan amounts and combined loan-to-value. Eligible loan amounts may range from approximately $50,000 to $850,000. Certain eligible borrowers and properties may qualify for combined loan-to-value ratios of up to 90% CLTV. The actual maximum loan amount and CLTV depend on credit, occupancy, property type, lien position, available equity, loan size, and lender requirements.
5. Property valuation. Property value may be determined through an automated valuation model, desktop valuation, exterior inspection, or appraisal. An appraisal or other property review may be required based on the property, requested loan amount, valuation results, or lender guidelines.
6. Credit inquiry. An initial eligibility review may involve a soft credit inquiry that generally does not affect the consumer’s credit score. A hard credit inquiry may be required later in the application or underwriting process and may affect the consumer’s credit score. Any required authorization will be obtained before the inquiry is completed.
7. Closing and funding time. References to a fast decision, prequalification in minutes, or closing in approximately 5–10 business days describe potential timelines for certain eligible transactions. Actual timelines vary and may be affected by borrower responsiveness, verification requirements, title conditions, property valuation, lien position, closing requirements, rescission periods, weekends, holidays, and lender processing times.
8. Interest rates and payments. Interest rates and annual percentage rates vary according to market conditions, credit profile, CLTV, occupancy, property type, loan amount, lien position, lender, and program. HELOCs may have variable rates, fixed-rate features, or other payment structures. For variable-rate programs, the rate and monthly payment may increase or decrease when the applicable index changes.
9. Fees and closing costs. Borrowers may be responsible for lender or broker charges and third-party costs, including valuation, appraisal, title, recording, notary, state, county, or other permissible charges. Available fees and costs vary by transaction and will be disclosed as required before closing.
10. Use of proceeds. HELOC proceeds may be available for home improvements, debt consolidation, business or investment needs, emergencies, education, and other permitted purposes. Permitted uses may vary according to occupancy, loan purpose, lender requirements, and applicable law.
11. Collateral and risk. A HELOC is secured by the borrower’s real property. Failure to meet the loan obligations could result in default and the loss of the property. Consumers should review all loan terms, costs, payments, and risks before proceeding.
12. Insurance. Acceptable homeowners insurance is generally required. Flood insurance may also be required when the property is located in a designated flood hazard area or when otherwise required by the lender or applicable law.
13. Tax considerations. Finibi Mortgage does not provide tax advice. The deductibility of HELOC interest and other tax consequences depend on the consumer’s individual circumstances and use of proceeds. Consult a qualified tax professional.
14. No commitment to lend. This website is for informational and advertising purposes and is not a commitment to lend, extension of credit, loan approval, rate lock, or guarantee of any particular terms. Final terms are provided by the applicable lender following application and underwriting.

Available for eligible Florida properties only. Not all applicants, properties, or requested loan amounts will qualify. Additional restrictions may apply.