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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.

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As low as 7.749% APR

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One-time lump sum payout

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Fixed monthly payment

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No points

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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.

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As low as 6.500% APR 

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Line of credit, similar to a credit card

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Easy access to your funds through check or transfer

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No points

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Borrow up to 80% of your home’s equity

Already applied? Check your application status.

Our real estate experts
are standing by.

Call, email, or stop by. We can walk you through the home equity loan options and help you decide which is best for your needs.
Home Equity Loan: APR (Annual Percentage Rate) is as of May 15, 2024, and 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. $120.01 per month for each $10,000 borrowed at 7.749% 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 $250,000. California properties only.
Home Equity Line of Credit: APR (Annual Percentage Rate) is as of May 15, 2024 and Prime rate (index) currently at 8.50% as of September 21, 2023 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 $250,000. Rate is valid up to 80% combined loan to value ratio (CLTV). 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.

















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