Home Equity Line of Credit

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A Home Equity Line of Credit (also known as a HELOC) may be right for you if you have a recurring expense such as college tuition or are making home improvements.
 
  • Borrow up to 80% of the appraised value of your home up to $250,000 for owner-occupied property
  • Flexible open-end loan with a variable rate
  • 10-year draw period and a 25-year repayment period
  • Interest is paid only on the money you use
  • Interest may be tax deductible, so check with a tax advisor
  • Access funds anytime by:
  • Property must be located in California
  • Eligible properties include one to two family homes, condominiums, and double-wide manufactured homes on a permanent foundation
  • Property insurance required on all properties being used as collateral
  • Flood insurance may be required

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or apply by phone at 858-487-1880 (toll-free at 855-487-1880)

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