Residential HELOC | Sunstate Bank
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Residential HELOC

Tap Into Your Home’s Value - On Your Terms

Need funds for home renovations, college tuition, or unexpected expenses? With a Home Equity Line of Credit (HELOC) from Sunstate Bank, you can borrow against the equity you’ve built in your home - and only pay interest on what you use.

It’s flexible, affordable financing for life’s big moments.

A child running through a house entryway

Why Choose a HELOC?

Access Cash When You Need It

Draw funds as needed - for home improvement, debt consolidation, education costs, or personal expenses.

Revolving Credit Line

Reuse your available balance as you repay, like a credit card - but typically with lower interest rates.

Interest-Only Payment Options Available

You may choose to pay interest only during the initial draw period - helping manage monthly cash flow.

Use It for Any Purpose

Unlike some loans, HELOCs give you the freedom to use funds however you choose.

Lower Rates Than Personal Loans or Credit Cards

Take advantage of a line of credit backed by the value of your home - often with better rates.

A couple working on a home renovation project

How it Works

  1. Apply based on your home’s equity, credit history, and income.
  2. Get approved for a revolving credit limit.
  3. Access funds when you need them - via check, transfer, or debit.
  4. Only pay interest on the amount you use.
  5. Repay over time - with flexible draw and repayment periods.

*All loans are subject to credit approval.

Why Borrow with Sunstate?

  • Over 25 years helping South Florida homeowners
  • Trusted community bank - voted Miami-Dade’s Favorite Bank in 2023 & 2024
  • Bilingual and trilingual service in English, Spanish, and Portuguese
  • Local decision-making and fast approvals
  • Personalized service - we help you understand the full picture

HELOC Snapshot

Loan Type Revolving line of credit
Collateral Primary residence
Access Through Sunstate Bank’s mobile banking app
Usage Any personal need (e.g. renovations, tuition, medical bills)
Interest Rate Variable or fixed
Early Closure Fee May apply if paid off within a set period
Support Personalized help from Sunstate lending experts

Ready to Use Your Home's Equity?

Speak with a Lending Specialist or visit a branch in Coral Gables, West Miami, or The Falls to learn more and get started. We’ll guide you through every step - from application to approval.

Speak with a Lending Specialist

*For full account disclosures, please call or stop into one of our branches. All loans are subject to credit approval. Terms may vary based on creditworthiness and collateral.