Home Equity

Tap into your home equity for extra cash

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Extra cash can go a long way toward a major purchase or dealing with one of life’s little surprises. Using your available equity, you can pay for tuition, home improvements, a vacation, unexpected auto repairs, pay off high-interest credit card and personal loan debts, consolidate your bills, take advantage of a real estate investment, and more!

Home Equity Line of Credit vs. Home Equity Loan

Home Equity Line of Credit (HELOC)

As a California homeowner, you can tap your equity easily and affordably for any purpose. Upon approval of your HELOC, we’ll establish a credit limit, so you will only need to apply once for this revolving line of credit. And, since you only pay interest on the actual amount you use, it’s perfect for an emergency fund! Loan limits range from $10,000 to $250,000 depending on your combined loan-to-value and credit scores.

  • Interest-only terms available
  • No up-front costs or annual fees
  • Pay interest only on the amount you borrow
  • 100% advance availability

Because the balance of a HELOC may change from day to day, you pay interest on what you borrow. You have the option to choose the lowest payments with an interest-only HELOC, which allows you to pay only the interest on the loan for up to 10 years. After 10 years this loan will amortize out over the next 15 years. Or, choose a traditional HELOC where your payment is higher, but you’ll pay your loan off sooner because you’re making both principal and interest payments.

Second Trust Deeds

A Second Trust Deed is a closed-end, fixed-rate equity loan perfect for when you’re borrowing for a specific purpose. Borrow only as much as you need!

  • $10,000 to $250,000
  • 10- or 15-year terms
  • Fixed-rate payments that never change
as low as Prime


Home Loans*

We offer a variety of mortgage products and rates change daily. To see our current rates, please see our home loans page or call
(877) 670-5860 (option 5).

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