Home Equity Loan: APR (Annual Percentage Rate) as of April 1, 2026, is valid up to 80% combined loan-to-value on primary homes and up to 75% for second or investment homes. 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. Best rate quoted for primary residence. $425 processing fee applies for loan amounts up to $250,000; $$600 processing fee, $575 underwriting fee, $81 tax service fee, and $25 wire transfer fee for loan amounts over $250,000. A full appraisal is required for loan amounts over $400,000. California properties only. We do not finance mobile or modular homes. Rates may be higher for 3-4 unit properties.
Home Equity Line of Credit: APR (Annual Percentage Rate) as of April 1, 2026, is Prime rate (index), currently at 6.75% as of December 11, 2025, minus a 1.250% margin and may be subject to adjust monthly. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. California properties only. $425 processing fee applies for loan amounts up to $250,000; $$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 ratio (CLTV). Loans are subject to credit approval. Lifetime cap is 6.000% above current fully indexed rate. 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.
Home Equity Line of Credit - Rental: APR (Annual Percentage Rate) as of April 1, 2026, is Prime rate (index), currently at 6.75% as of December 11, 2025, minus a 1.000% 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; $$600 processing fee, $575 underwriting fee, $81 tax service fee, and $25 wire transfer fee for loan amounts over $250,000. A full appraisal is required for loan amounts over $400,000. Rate is valid up to 80% combined loan to value ratio (CLTV). Loans are subject to credit approval. Lifetime cap is 6.000% above current fully indexed rate. Payments based on 1% of the outstanding balance. We do not finance mobile or modular homes. Rates may be higher for 3-4 unit properties.
Home Equity Line of Credit - Rental: APR (Annual Percentage Rate) as of April 1, 2026, is Prime rate (index), currently at 6.75% as of December 11, 2025, minus a 1.000% margin and may be subject to adjust monthly. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. California properties only. $425 processing fee applies for loan amounts up to $250,000; $$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 ratio (CLTV). Loans are subject to credit approval. Lifetime cap is 6.000% above current fully indexed rate. 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.