Your debts today
- Monthly payment
- $870
- Weighted rate
- 14.36%
- Time to debt-free
- 4 yr 4 mo
- Total interest remaining
- $11,663
See If You Qualify in Minutes
Sunview Lending is a wholesale mortgage brokerage. We shop many lenders so you can compare competitive rates and terms.
Get a free quote
HOME EQUITY
Debt consolidation calculator
This estimate is built to point you toward a home equity option, a HELOC or a cash-out. It is not a loan offer.
See my home equity optionsYour home
Estimated available equity uses your home value, your liens, and a max CLTV you can edit.
Estimated available equity: $210,000 (up to 85% CLTV, subject to guidelines).
- Mortgage owed: $300,000
- Debt payoff and extra cash: $33,000
- Remaining available: $177,000
- Protected equity: $90,000
Your debts
- Total balance
- $33,000
- Total monthly payments
- $870
- Weighted average rate
- 14.36%
Home equity loan
Not a Sunview rate quote. Rates change daily.
- Monthly payment
- $3,231
- Total interest
- $248,502
- Time to debt-free
- 15 yr
HELOC
Not a Sunview rate quote. Rates change daily.
- Interest-only during draw (estimate)
- $2,220/mo
- Full repayment (estimate)
- $2,785/mo
- Total interest
- $601,883
- Time to debt-free
- 30 yr
Your HELOC payment rises when the draw period ends.
Want a faster digital option? See our Fast-Track Digital HELOC
Side by side
- Today
- Home equity loan
- HELOC
- Today
- Home equity loan
- HELOC
| Monthly payment | Total interest | |
|---|---|---|
| Today | $3,780 | $11,663 |
| Home equity loan | $3,231 | $248,502 |
| HELOC | $2,220 | $601,883 |
A lower monthly payment over a longer term can mean paying more total interest. Compare total interest and time to debt-free, not just the payment. Your home secures a HELOC or home equity loan, so make sure the payment fits your budget.
Advanced
Break-even months: 0. Closing costs are added to the total cost of the new loan ($248,502 on the home equity loan).
Talk to a real lender, Mon-Fri, 9 AM-6 PM PT. Sunview Lending is a wholesale lender.
WHY A WHOLESALE MORTGAGE BROKERAGE
We Shop the Market So You Don't Have To
Sunview Lending is a wholesale mortgage brokerage. Instead of being limited to one bank's rate sheet, we compare loan programs and pricing from many wholesale lenders to find you competitive rates and terms that fit your goals.
- Many lenders, one application
- Competitive wholesale pricing
- Options a single bank can't offer
Read our 5-star reviews
Read our 5-star reviewsLoan programs
Cash-Out / Debt Consolidation
Use home equity, a HELOC or cash-out, to reshape what you owe.
Learn more
SUNVIEW EXTRA
Check my business fit in 60 seconds
A short business prequal for owners who need more than a home loan. It does not affect your credit score.
Why Sunview
- Many lenders, one application
- Competitive pricing
- Personal guidance from Roland's team
- Fast digital process
- Options for many credit profiles
- Calculators to see your numbers
How it works
Tell us the goal
Buy, refinance, or pull equity. The short form does not pull credit.
We compare programs
Sunview shops many wholesale lenders and explains the fit in plain words.
You decide
Apply only if the numbers work. Roland's team stays on the file.
Calculators
Ready to get started?
Tell us the goal. We will compare wholesale programs and competitive terms, then you decide.