TAP INTO YOUR

Equity

Put Your Equity to Work for You

There are several reasons to tap into the cash from your home and several ways to do it, including a cash-out refi or a line of credit. You can use the cash for a myriad of things, including home improvements, investments, education, large purchases such as a vehicle, or even your retirement fund—it’s your cash, and you can do what you like with it.

You may be wondering what home equity actually is. Equity is the difference between what your home is worth and what you owe. Your equity can increase in a few different ways:

Your home appreciates (increases) in value over time
You make improvements that increase the value
You make extra payments towards the principal of your mortgage

If you have equity in your home, talk to your loan advisor to see how you can convert it into cash today.

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Copyright ©2025 Shining Star Funding A division of American Pacific Mortgage Corporation | NMLS ID # 1850 (www.nmlsconsumeraccess.org) | CA-DRE #01215943 | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.|Not Available in New York

For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.
Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.