Discover What Equity Loans on Home We can do at


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Why choose Calsun Mortgage?
self employed

Loans for Self Employed

first time homebuyers

Loans for First Time Homebuyer

zero closing costs and competitive rates

Zero Closing Costs

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Quick Loan Approval

35 years and going strong

Trust Since 1986

What are Equity Home Loans?

A home loan equity, often known as a second mortgage, allows you to borrow money using the equity in your home as collateral. The equity for home loan is paid back in monthly instalments and is disbursed in one single sum. The loan is secured by your home and can be used to consolidate debt or fund significant purchases like home improvements, schooling, or automobile purchases. The interest rate and monthly instalments are both fixed, ensuring that the repayment plan is predictable.

Mortgage Refinance interest rates are affected by a borrower’s financial credentials.

To get a personalized quote, Phone 818-921-7053, Email: or
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Tap into Your Equity with the Right Home Loan!

CalSun Mortgage’s mission is to ensure that your loan closes properly, on time, and without surprises, so you never have to worry about loan approval. We have been in business for over 30 years and use our knowledge, skills, and cutting-edge technology to better serve our clients like you. 

We strive to educate, explain, and inform our clients about their mortgage at all times, including before, during, and after the closing process.

Are you ready to apply for a home equity loan? Now is the time to choose CalSun Mortgage. We do business in California, in the counties of Los Angeles, Ventura, Orange, San Diego, and San Bernardino, among others.

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Efficiency, Simplicity, and Friendly Professional Service are the pillars and core of our organization. We are committed to deliver what we promised.

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Interest Rate calculation for Home Loan


The amount of your equity loan is determined by the market value of your home and the remaining mortgage balance. Loan providers will lend up to 80% or 85% of the value of your home equity.  

You can qualify for a home equity loan if the market value of your property has grown or if you have a small mortgage balance. You have the option of borrowing any amount up to the loan provider’s percentage threshold.

You can technically receive a home equity loan as soon as you buy a house. However, because home equity accumulates slowly, it may take some time before you have enough equity to qualify for a loan. It can take five to seven years before the payments you make on your mortgage start to accumulate sufficient equity.

Subtract the amount you owe on all loans secured by your property from its appraised value to determine how much equity you have in your home. This covers your primary mortgage, as well as any outstanding home equity loans or home equity line of credit liabilities.

Although different lenders have varied credit score requirements, most lenders require a credit score of at least 620.

Its interest rates are lower than those of other loans. They also often have a fixed interest rate. A home loan equity is a simple approach to obtain a significant sum of money in a short period of time. It’s a secured loan that’s backed by the value of your property.

Until the debt is paid off, you’ll make fixed monthly payments. The most common durations are five to twenty years, but a home equity loan might take up to thirty years to repay depending on the amount due.

To advertise your property for sale, you don’t have to pay off your home equity loan or any obligations. Creditors who have liens on your home’s title will be paid off from the sale proceeds at the closing.

If you’re planning a major home renovation or need to consolidate debt and find a good rate, a home equity loan might be a useful solution. Home equity loan rates in California have also significantly dropped, so if you’ve been thinking about taking out a home equity loan, now is the time to do so.

Helped to over 3000 borrowers to purchase and refinance their dream homes.

To get a personalized quote, Phone 818-921-7053, Email: or
Apply Now

People Are Saying

Luther Lewis
Luther Lewis
West Hills , CA
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I'm a mortgage broker and I do a lot of work with CalSun. They're one of the few lenders in the area who actually understand how to work with equity data and take advantage of the best opportunities. They also have an excellent customer service team, which is something you can't say for most lenders out there. I highly recommend them to anyone looking for home loan equity.
Victoria Mills
Victoria Mills
Valley Village, CA
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I was looking for equity home loans and CalSun is the only company that I found. I had my doubts at first, but after talking to their representatives I felt very confident about my purchase. They were very helpful throughout the whole process and now I live in my own home with no worries. CalSun is a real blessing!
Joshua Hills
Joshua Hills
Canoga Park, CA
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I'm not sure how CalSun Mortgage does it, but they always have the best rates out there. I've shopped around with all the other banks and credit unions in my area and CalSun Mortgage has always given me the best quote. They are so easy to work with too!
Michelle Young
Michelle Young
N. Hollywood, CA
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I really love CalSun Mortgage. They are super knowledgeable and always offer the best solutions to any of my needs, which is especially helpful because I don't have a lot of time on my hands. They make it easy to get the equity loans I need to help with my mortgage payments. CalSun is everything you could want in a mortgage company!
Brent and Victoria Willis
Brent and Victoria WillisRiverside, CA
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We were looking to refinance our home equity loans and CalSun Mortgage was the only one who was able to give us a loan. We called them up and they took care of everything - the process was quick, easy, and gave us a good rate. I would highly recommend CalSun Mortgage if you're looking for home equity loans.

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Get started today by getting a personalized evaluation of your Refinance Mortgage options from Calsun Mortgage.

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