home equity loans and lines of credit


Home renovations, vacation, college tuition, a little budget breathing room with a loan consolidation - Sunmark offers options to those with little or no equity in their home. Our personalized loan services help you find the loan that best fits your needs and budget. Need money fast? Sunmark offers a same-day home improvement loan for your convenience.


With Sunmark’s HomeFlex No Closing Costs line of credit, eligible borrowers enjoy an introductory rate of 1.99% APR* for the first year with no added closing costs**.


Unlike fixed loans, you don’t have to use the entire loan at once with Sunmark’s HomeFlex. You have the flexibility to use as much or as little of the line of credit as you’d like. Line amounts of up to 85% of your property value available.



No equity? No problem! This line of credit offers a flexible option for homeowners who have little or no equity in their home. Borrow up to 100% equity for home improvements or other projects, and pay back only the portion of the line you use.



Do you have some equity in your home and are looking to add on, make some improvements, or just interested in consolidating existing debt to reduce financing costs? A fixed-rate home equity loan may be the right product for you.



An option for borrowers who want to make small home improvements with little or no equity in their home. Borrow up to $25,000 – and enjoy a quick turnaround time that requires no appraisal.


*APR = Annual Percentage Rate. Introductory rate is fixed for first 12 months for new loans with maximum 85% LTV (Loan-to-Value). After initial fixed introductory period, APR is variable and can adjust annually up to 2.00% based on WSJ Prime Rate. Prime Rate is 3.25% as of 8/26/2021. The maximum APR that can apply is 9.25% and the minimum APR is 3.25%. Property must be owner-occupied or second home (investment properties and rentals are not eligible) and property insurance is required. Offer subject to membership eligibility and creditworthiness. Consult a tax advisor regarding the deductibility of interest. Programs, rates, terms and conditions are accurate as of 8/26/2021 and subject to change without notice.
**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.



Want to learn more? Contact us or call us at 1.866.SUNMARK. Ready to get started? Apply now.

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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. For additional rate information please contact Sunmark for information, including additional other term loans and details.