Home Equity

Tap into the equity of your home.
Rates as low as 8.55% APR.*
Inquire Today
Home Loans

Get a loan secured by your home

Need extra cash for home renovations, consolidating high-interest debt, or personal expenses? Our home equity loans offer you the flexibility to tap into your home's equity and unlock the funds you need.

Get Started
house key with a red house keychain
This is some text inside of a div block.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

30 year amortization
Balloon due in 15 years
Loans range from $50k to $1.5M!
Loan-to-Value (LTV) ratio: 75%
FICO of 650 required
No prepayment penalties!
Home equity line of credit (HELOC)

Get a revolving stream of funds that you can borrow from whenever you need to.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Repay your credit line and unlock available funds hassle-free.
  • Benefit from no early closure fees.
  • Take advantage of a customized 10-year draw period and a flexible 15-year repayment period, tailored to your needs.
  • Choose from variable or five-year fixed-rate options.
  • Start with a minimum loan amount of $15,000.
Closed-end second mortgage loan

Receive a lump-sum amount upfront for your financial needs.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Enjoy flexible repayment options with monthly installments.
  • Choose from a range of terms: 5, 10, 15, and 20 years.
  • Borrow up to $500,000.
Cash-out refinance

Tap into the equity of your home’s new higher value. A cash-out refinance is amortized as a new 15-or30-year first mortgage loan.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Benefit from a structured repayment plan.
  • Use the funds as you see fit, whether it's for immediate needs or long-term goals.
  • Take up to _% of your equity.
Home equity line of credit (HELOC)

Get a revolving stream of funds that you can borrow from whenever you need to.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Repay your credit line and unlock available funds hassle-free.
  • Benefit from no early closure fees.
  • Take advantage of a customized 10-year draw period and a flexible 15-year repayment period, tailored to your needs.
  • Choose from variable or five-year fixed-rate options.
  • Start with a minimum loan amount of $15,000.
Closed-end second mortgage loan

Receive a lump-sum amount upfront for your financial needs.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Enjoy flexible repayment options with monthly installments.
  • Choose from a range of terms: 5, 10, 15, and 20 years.
  • Borrow up to $500,000.
Cash-out refinance

Tap into the equity of your home’s new higher value. A cash-out refinance is amortized as a new 15-or30-year first mortgage loan.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Benefit from a structured repayment plan.
  • Use the funds as you see fit, whether it's for immediate needs or long-term goals.
  • Take up to _% of your equity.

Home Equity Loan Rates

Loan Type
Loan amounts
Max 70% CLTVRate (*APR)
Max 80% CLTVRate (*APR)
Terms
5-Year Fixed
$15,000-$500,000
7.75% (*8.73%)
8.50% (*9.49%)
Payments amortized over 60 months
10-Year Fixed
$15,000-$500,000
8.00% (*8.55%)
8.75% (*9.30%)
Payments amortized over 120 months
15-Year Fixed
$15,000-$500,000
8.25% (*8.65%)
9.00% (*9.40%)
Payments amortized over 180 months
20-Year Fixed
$15,000-$500,000
8.50% (*8.83%)
9.25% (*9.59%)
Payments amortized over 240 months
Rates shown above assume owner-occupied, Automated Valuation Model (AVM) available and flag title policy obtained; add 0.75% for non-owner-occupied properties

Home Equity Lines of Credit Rates

Loan Type
Loan amounts
Rate
Adjustable
$15,000-$500,000

9.00% (*9.41%)

-Owner Occupied-

9.75%(*10.17%)

-Investment Property-

Fixed
$15,000-$500,000

9.74%

(*9.88%)

-Owner Occupied-

10.49%

(*10.65%)

-Investment Property-

Interest only (owner occupied only)
up to $100,000

9.74%

(*10.12%)

-Owner Occupied-

WSJ Prime as of July 27, 2023 8.50%

Rates effective March 29, 2024

Purchase Rates

Conforming Rates

Loan Product
Interest Rate
APR
Points
15 Year Fixed
6.500%
6.680%
.657%
30 Year Fixed
7.125%
7.233%
.624%

Rates are effective 4/15/2024 and are subject to change without notice. 

The rates provided assume the purpose of this loan is to purchase a property, loan amount of $480,000 and a purchase price of $600,000.  The property is a single-family detached dwelling (non-manufactured home), one unit and located in California.  The property will be used as your primary residence.  The rate lock period is 30 days and the assumed credit score is 740 or greater.  There will be no subordinate financing and your debt to income will not exceed 40%.  The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees.  All loans are subject to approval and rates, terms and conditions are subject to change.

Estimate Your Payments

Want to find out whether you should rent or own? Figuring out how much you can afford or borrow? Determining what your monthly payment will be? Put the pen and pencil down, we've got you covered!

Ready to take the next step?

Reach out to our loan experts to take the first step towards your dream home

Articles

*Adjustable loan rate APR of 8.39% –– calculated at $50,000 and assuming primary residence, 10-year “draw” period, and maximum 15-year life of loan (total of 25 years). Lower APR if paid off sooner. $995 processing fee, county-specific recording fee, and appraisal report (if applicable) for loans to $250K; plus appraisal fee (if applicable) for loans above $250K.