Home Equity Lines of Credit and Loans

Are you looking to launch a home improvement project, consolidate debt or pay off a major expense? Do you want to refinance your mortgage quickly and easily? Whatever your financial situation, SunTrust has you covered with the Home Equity Loan, the Access 3 Equity Line of Credit and the Simple Home Refi.

Apply online, at your local SunTrust branch, or by calling a SunTrust lending specialist at 800.279.4824.

Home Equity Lines of Credit and Loans Home Equity Loan Access 3 Equity Line Simple Home Refi
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How can you use it? Can be used as a second mortgage only Can be used as a first or second mortgage. Can be used as a first mortgage only
Why would you use it? If you need to finance something specific and know exactly how much money you need If you don't know how much you want to borrow but would like ready access to funds If you want to refinance your mortgage quickly and easily
What you would use it for? - Home Improvements
- Planned Purchases
- Pay off higher rate balances
- Home Improvements
- Unexpected expenses
- Education
-Mortgage refinancing
-Home improvements
- Pay off higher rate balances
- Consolidate debt
When would you receive it Receive funds in one lump sum Immediately and in the future Receive funds in one lump sum
Interest Rate Fixed Fixed or variable, depending on your chosen repayment option Fixed
Payments Fixed Fixed or variable, depending on your chosen repayment option. Fixed
Repayment Terms Flexible Fixed Terms Draw period, followed by repayment period Flexible Fixed Terms
Here’s how these products put you in control of your financial well-being.

With the Simple Home Refi, you can refinance your mortgage quickly. Take advantage of low, competitive rates and closing costs, a simple process from application to close, and a range of available loan amounts and terms.

Use home equity to improve your home. If you’re looking to update your kitchen or make other home improvements, a home equity line or loan may be one of the most affordable and flexible financing options available.

With a home equity line or loan, you may be able to reduce your monthly payments on other existing obligations and pay off high-interest debt faster with a single, consolidated payment.1 Interest rates for equity lines and loans are generally lower than those charged for credit cards or other personal loans. Plus, the interest you pay may be tax-deductible.2

Use your home’s equity to finance a major purchase. Whether you’re looking for a new car, boat or RV, or if you’re financing a college education, these products give you the flexibility you need.


1Consolidating your debt and extending the repayment term may add to the total amount of interest paid over the original term(s) of your loan(s).

2Consult your tax advisor regarding the deductibility of interest.

Contact Us

To reach a SunTrust representative:

  • 800.SUNTRUST
  • Existing Loans/Lines
  • 800.279.4824
  • New Applications

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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