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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 debt consolidation.

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 2.790 % APR

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One-time lump sum payout

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Fixed monthly payment

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No points, no fees, no closing costs
for loans between $10,000 and $250,000

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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 3.640 % 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, no fees, no closing costs
for loans up to $250,000

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Borrow up to 80% of your home’s equity

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 July 1, 2021, and valid up to 80% combined loan-to-value on primary residence. Minimum loan amount $10,000. Rate may increase depending on your credit qualifications. Loan payment example: $95.59 per month for each $10,000 borrowed at 2.790% APR for 120 months. Best rate quoted for primary residence. California properties only. No fees up to $250,000. Closing costs and other fees may apply to loan amounts between $250,000 to $500,000. An early closure fee of $350 will apply if the loan is paid off and closed within the first two years. Rental property rates available (CLTV max 75%).
Home Equity Line of Credit: APR (Annual Percentage Rate) is as of July 1, 2021 and Prime rate (index) currently at 3.25% as of July 28, 2021 plus a 0.390% 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. Fees may apply for loan amounts over $250,000 on primary residence. Rental property rates available. California properties only. No points, no fees, and no closing costs applies to loans with a minimum loan amount of $10,000 and maximum loan amount of $250,000 for primary residences, rental, second or investment homes. Closing costs apply for loan amounts between $250,000 to $500,000 for primary residences, rental, second, or investment homes. Combined loan-to-value up to 80% for primary homes and up to 75% for rental, second, or investment homes. Loans are subject to credit approval. An early closure fee of $350 will apply if the loan is paid off and closed within the first two years. 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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