The We Florida Financial is a home equity line of credit from We Florida Financial. The ongoing APR is Home Equity Line-of-Credit (HELOC) 7.00% APR as low as (rates effective 10/6/2026). Loan terms: The homeowner may draw money from the HELOC for a period of 10 years. From the start of the HELOC, the homeowner has up to 20 years to gradually pay back the amount borrowed, using monthly payments..