Home Equity Loans

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A Home Equity Loan may be right for you if you have a large expense such as a major home improvement or you want to consolidate your debt.

For a limited time, get a $100 gift card* on any of our home loans. It's a special housewarming gift from us to you!

  • Fixed rate and monthly payment amount
  • Interest may be tax deductible, so check with a tax advisor
  • Funds disbursed in full when you get the loan
  • First or second trust deeds available
  • 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

Owner-occupied property:

  • Terms up to 15-years are available
  • Borrow up to 80% of the appraised value of your home up to $250,000

Non-owner occupied property:

  • Terms up to 12-years are available
  • Borrow up to 75% of the appraised value of your home up to $250,000

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

Easy ways to make loan payments

*Offer subject to change without notice. $100 gift card offer is given at closing of a Home Equity Line or Loan, or Mortgage, financed by North County Credit Union or its mortgage service provider, Members Loan Services. Offer valid for loan applications received between May 6 to July 31, 2019. Approved loans must be funded by September 30, 2019. Home Equity Lines applicants must also make a minimum $10,000 initial credit advance to be valid. Offer many not be combined with any other promotional offer.