Tonisha Sifuentes at Guaranteed Rate (NMLS #240597)

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

06/19/2022

Happy Father’s Day. Today is a day to celebrate fathers everywhere for all their love, support and encouragement. Here’s to you, Dad.

- http://rate.com/tonishasifuentes

06/14/2022

Tap into home equity without sacrificing your low mortgage rate.
Lock in a low, fixed-rate Home Equity Line of Credit now!*
With interest rates on the rise, our new HELOC comes with a fixed rate, so you can count on the same payment, month after month. Unlock your home's equity by locking in your low rate today! Apply now. https://www.rate.com/heloc?loid=31874
Fast. Flexible. Fixed Rate.
• Borrow $15K to $400K**
• 100% digital application
• Apply in 5-10 minutes
• Funding in 5-10 days††
• No upfront costs
• No Appraisal required
• Easy income qualifications
P.S. Get the extra cash you need from a trusted lender and keep your low mortgage rate!

Tonisha is a recognized leader in the mortgage industry with over 18 years experience, accumulating a wealth of knowledge, working with different financing types.

06/07/2022

It is National Homeownership month—the perfect time to make the move from the world of renting to the world of building equity. Click on the link and apply now to see what you qualify for.

- http://rate.com/tonishasifuentes

05/31/2022

Today, I’m remembering the great people who sacrificed themselves in service to our country and thank them for their service.

- http://rate.com/tonishasifuentes

05/26/2022

I'm excited to announce the new FIXED RATE Home Equity Line of Credit. You can tap into home equity without impacting your original home loan rate. Need funds to make that next big purchase, make home improvements, consolidate high-interest rate debts, plan a dream vacation.
No appraisal required, takes 10 minutes to apply online and receive an instant approval , money transferred to your account in 5-10 days.

- https://www.rate.com/heloc?loid=31874&emp-id=31874&adtrk=%7Cgnr%7Cguaranteedrate%7C%7C%7C%7C%7C%7C%7C%7Cdirect%7C%7C%7C%7C%7C