Your home is one of your greatest investments.  It's also a great way to pay for home improvements, education, debt consolidation or anything you wish.  With our low rates and interest-only payment options, we have a loan to fit your budget.  Choose from fixed- and variable-rate home equity loans.  We also offer very competitive rates for second homes and investment properties.  As an added benefit, interest paid on home equity loans is tax deductible for most California homeowners.

Compare our superior member service.  We offer instant loan decisions online or by phone, and loan documents are normally sent in two to three days.

Home Equity Loan
Unlock the equity in your home with our fixed-rate loan.  Our home equity loan features:

• Low, fixed rate
• No points, no fees, no closing costs for loans over $15,000
• 100% tax deductible interest for most California homeowners
• Borrow up to 80% of the appraised home value minus first mortgage balance
• Terms up to 15 years
• Second home and investment property loans available - call for details
• Loan documents mailed in days
• Use our loan calculator to help determine your payments
• Receive an instant loan decision online!

PrimeLine - Home Equity Line of Credit

• Up to 0.75% APR below prime rate - current rate
• No points, no fees, no closing costs for loans under $250,000
• Low payments with our interest-only payment option. Pay interest only for up to 10 years, followed by 15 years of fully amortized payments.
• 100% tax-deductible interest for most California homeowners
• Borrow up to 80% of the appraised home value minus first mortgage balance
• Convenient access to your funds with our free loan checks or using BranchLine
• Loan documents mailed in days
• Funds become available as you pay down the balance
• Receive an instant loan decision online! 

On The House - Refinance
Low, fixed-rate - priced competitively with traditional fixed-rate loan.  Refinance your first mortgage balance with our no-cost first mortgage replacement loan.  No costs, no fees, no closing costs - no fooling!  On the House features:

• No points, no fees, no costs for loans over $15,000 – unlike typical refinance loans
• Maximum loan amount is $600,000
• 100% tax-deductible interest for most California homeowners
• Borrow up to 80% of the appraised home value
• Choose a 15- or 30-year payment option
• Second home and investment property loans available - call for details
• Use our loan calculator to help determine your monthly payments
• Receive an instant loan decision online!

Under The Roof
Owning your home is a valuable investment and can be your greatest financial asset. We have a new simple, no-cost financial solution for you – and it’s all “Under The Roof!” Our Under The Roof loan program features:

• One time application - never reappraise or reapply again.  For more information, call our Loan By Phone center at (888) 858-6878, ext. 6332.
• No points, no fees, no closing costs for loans up to $250,000
• Low, variable- and fixed-rate options
• Convert any portion of the line of credit to a fixed-rate subloan at any time
• 25-year term
• 100% tax deductible interest for most California homeowners
• Borrow up to 80% of the appraised home value minus first mortgage balance
• Convenient access to your funds with our free loan checks or using BranchLine
• Loan documents mailed in days
• Funds become available as you pay down the balance
• Receive an instant loan decision online!

You may already be approved!