Home Equity Loans & Lines
Make the equity in your home work for you
Dream Big!
One of the many benefits of owning a home is the equity you can build as home values increase. Homeowners can use their home’s equity for a major expense such as a home improvement project, child’s education, or consolidation of bills.
Home Equity Loan
Benefits you most if you plan to use the money for a one-time expense.
As low as 6.860% APR
One-time lump sum payout
Fixed monthly payment
No points
Borrow up to 80% of your home’s equity
Home Equity Line of Credit (HELOC)
A good choice if you plan to use the equity periodically, such as for a long-term home improvement project.
As low as 5.500% APR
Line of credit, similar to a credit card
Easy access to your funds through check or transfer
No points
Borrow up to 80% of your home’s equity
Already applied? Check your application status.
Home Equity Loan: APR (Annual Percentage Rate) is as of April 1, 2026, and valid up to 80% combined loan-to-value (CLTV) on primary homes and up to 75% for second or investment homes. Rental property rates available. Minimum loan amount $10,000. Rate may increase depending on your credit qualifications. $115.39 per month for each $10,000 borrowed at 6.680% APR for 120 months. $425 processing fee applies for loan amounts up to $250,000; $$600 processing fee, $575 underwriting fee, $81 tax service fee, and $25 wire transfer fee for loan amounts over $250,000. A full appraisal is required for loan amounts over $400,000. California properties only. We do not finance mobile or modular homes. Rates may be higher for 3-4 unit properties.
Home Equity Line of Credit: APR (Annual Percentage Rate) is as of April 1, 2026 and Prime rate (index), currently at 6.75% as of December 11, 2025 minus a 1.250% margin and may be subject to adjust monthly. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. California properties only. $425 processing fee applies for loan amounts up to $250,000; $$600 processing fee, $575 underwriting fee, $81 tax service fee, and $25 wire transfer fee for loan amounts over $250,000. A full appraisal is required for loan amounts over $400,000. Rate is valid up to 80% combined loan-to-value (CLTV) on primary homes and up to 75% for second or investment homes. Rental property rates available. Loans are subject to credit approval. Lifetime cap is 6.000% above current fully indexed rate. Please consult a tax advisor regarding deductibility of interest. Payments based on 1% of the outstanding balance. We do not finance mobile or modular homes. Rates may be higher for 3-4 unit properties.
