Home Equity Lines of Credit

Homeownership means that the equity in your home can get you funds when you need them. A Home Equity Line of Credit (HELOC) lets you leverage your house's equity to fund home improvements, consolidate debt, and more.


Home Equity Lines of Credit

Learn more about how your house can love you back with a Home Equity Line of Credit.

Estimate Your Borrowing Capacity Using a Home Equity Line of Credit (HELOC)

The line of credit is based on a percentage of the value of your home. The more your home is worth, the larger the line of credit. Of course, the final line of credit you receive will take into account any outstanding mortgages you might have. This includes first mortgages, second mortgages and any other debt you have secured by your home.

Use this calculator to estimate your borrowing capacity on a HELOC.†


†Subject to underwriting guidelines, including limits on maximum loan to value.

Home Equity Line of Credit Calculator

Home Equity Line of Credit Benefits

Home Equity Line of Credit FAQs

^ Suncoast will contribute up to $1,000 (Closing Costs Benefit) toward your closing costs when you select our fixed or variable rate home equity product loan on your primary residence. Suncoast will not pay closing costs for discount points to obtain a lower rate or monies necessary to establish escrow accounts (taxes and insurance). If the loan is paid in full or the line of credit closed within 25 months of the first payment due date, Suncoast will collect the closing costs paid on your behalf in the payoff. The 25 month term begins with the first payment due date of the loan. Not to be combined with any other offers.
^^ Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the Equity Line of Credit (80% or less HCLTV) or 5.50% for the High LTV (greater than 80%) Equity Line of Credit. The index is the Wall Street Journal Prime Rate.

Take advantage of our low rates for a Home Equity Line of Credit.

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