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 7.747% 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 16, 2025, 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. $119.70 per month for each $10,000 borrowed at 7.747% APR for 120 months. $125 processing fee applies for loan amounts up to $250,000; $1,200 origination fee applies, plus appraisal and title fees for loan amounts over $400,000. California properties only.
Home Equity Line of Credit: APR (Annual Percentage Rate) is as of April 16, 2025 and Prime rate (index), currently at 7.50% as of December 19, 2024 minus a 2.00% 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. $125 processing fee applies for loan amounts up to $250,000; $1,200 origination fee applies, plus appraisal and title fees 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.
Use our online calculators to calculate a payment.
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