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Unlock Your Home's Value with Equity Loans

Even with little equity, we have options

Turn Your Home Equity into Opportunity

Your home is more than where you live—it's a powerful financial tool. Whether you're planning a major renovation, consolidating debt, or covering education expenses, Sunmark's home equity solutions help you access the value you've built. 

What sets Sunmark apart? We believe everyone deserves access to their home's potential. That's why we've created solutions for every situation—from homeowners with substantial equity to those just getting started. 

Our experienced mortgage team will work with you to find the right fit and guide you through the application process with the personal attention you deserve. 

 

Apply Now

Find Your Perfect Home Equity Solution

From no closing costs to no equity required, we have flexible options to fit your unique situation and goals.

 

HomeFlex No Closing Costs

Competitive introductory rate for the first year with no closing costs. Perfect for getting started without upfront fees.

  • No closing costs* 
  • Fixed intro rate for first year 
  • Up to 85% property value 
  • 5-year draw, 15-year repay 
Apply Now View Rates

HomeFlex Line of Credit

Low fixed rate for 5 years with flexible access. Borrow up to 85% of property value when you need it.

  • Fixed rate for first 5 years 
  • Up to 85% property value 
  • 5-year draw, 15-year repay 
  • Flexible access to funds 
Apply Now View Rates

HomeFlex100 Line of Credit

Perfect for homeowners with little to no equity. Borrow up to 100% for home improvements and projects.

  • Up to 100% equity access 
  • Fixed rate for first 5 years 
  • No equity requirement 
  • Home improvement focus 
Apply Now View Rates

Fixed-Rate Home Equity Loan

Traditional fixed-rate loan for debt consolidation or large one-time expenses with predictable payments.

  • Fixed interest rate 
  • Lump sum disbursement 
  • Debt consolidation ideal 
  • Predictable payments 
Apply Now View Rates

Home Improvement Loan

Quick approval up to $25,000 with no appraisal needed. Perfect for smaller home improvement projects.

  • Up to $25,000 
  • No appraisal required 
  • Quick turnaround 
  • Little/no equity needed 
Apply Now View Rates

Solar Improvement Loan

Make the switch to solar with up to $50,000 financing. No appraisal required for a faster approval process. 

  • Up to $50,000 
  • No appraisal required 
  • Solar energy focus 
  • Quick approval process 
Apply Now View Rates

Ready to Access Your Home's Equity?

Our mortgage experts are here to help you choose the right option and guide you through every step of the process. Local expertise, competitive rates.

Get Pre-Approved

Home Equity Resources & Tips

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Budget, Home Ownership

5 Ways to Winterize Your Home and Protect Your Budget

11/26/2024
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Mortgage, Home Ownership

Your Questions Answered: Sunmark’s HomeFlex No Closing Costs Line of Credit

6/30/2021
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Mortgage, Home Ownership

Your Questions Answered - Jumbo Loans

6/29/2021
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*Home Equity Line of Credit must remain open for at least 36 months or the member will be obligated to pay back any and all closing costs. 

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