Home Equity Loans

Your home is more than just a place to live; it's often your biggest investment

Home Equity Loans

Turn the equity in your home into a powerful financial tool. Funding a large expense like home improvements, medical expenses, college tuition or taking a well-deserved vacation can be within reach through a Home Equity Loan.

Choose between a Home Equity Loan and Home Equity Line of Credit (HELOC), both let you tap into your home's value.

Home Equity Loan

Stability you can count on funds you can use right away

Turn your home’s equity into a lump sum with predictable payments and fixed rates designed for long-term confidence.

  • Fixed-rate options: Choose from 7, 10, 15, or 20-year terms
  • Consistent monthly payments: No surprises—budget with confidence
  • Borrow up to 80% loan-to-value (LTV)
  • Loan amounts up to $500,000 (based on available equity)
  • Full disbursement at closing: Receive your funds upfront

Fees:

  • Origination fee of 1% plus applicable processing fees (varies by loan amount)
  • No introductory rate available

Home Equity Line of Credit (HELOC)

Flexible access to funds—when and how you need them

Access your home’s equity over time with the flexibility to borrow, repay, and borrow again.

  • Introductory rate: 3.9% APR for the first 12 months
  • Borrow up to 80% loan-to-value (LTV)
  • Credit lines up to $500,000 (based on available equity)
  • Interest-only payments on the amount you use
  • 10-year draw period + 15-year repayment term
  • Reusable credit line: Access funds without reapplying

No-Fee Option:

  • Requires a $25,000 initial advance
  • Account must remain open for at least 36 months

Rate Information:

  • Variable rate tied to the prime rate as published in The Wall Street Journal

Click below for more information about our rates and to start your online mortgage application today! Or contact a Mortgage Loan Representative at 877-296-8728.

Some restrictions may apply. Total funds are disbursed at one time. All loans listed are available only to members residing in California and on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses). Rates are subject to change without notice. Loans issued subject to credit review.

Mortgage Loan Originator Information

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