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Home Equity Loans

Whether you’re making home improvements, paying for education expenses or consolidating debt – we have a low-rate home equity loan for you. Our low rates and simple approval process make accessing your equity easy. We offer home equity loans on owner-occupied, second homes and investment properties.   

 

Loan Saver 

Already have a home equity loan?  Find out how much you may be able to save with Loan Saver.  Our online calculator can determine if you can save money on your existing loans by refinancing with us.  It's free, simple and you can calculate potential savings in just minutes.
 

Interest paid on mortgage loans may be 100% tax deductible for most California homeowners. Please consult your tax advisor for details.

Apply online today for an instant loan decision. After approval, loan documents will be mailed within days. To calculate your payment, use our online loan calculator.

 

Choose a home equity line of credit with interest-only payments or a home equity loan with a fixed rate and term. Both options feature no points, no fees and no closing costs. 

 

The chart below may help you decide which option is best for you.

 

Home Equity Loan

PrimeLine Home Equity Line of Credit

Home Equity Loan
Second Home or Investment Property

 
     
 

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APR Current APR
Closed-end, fixed-rate loan
Current APR
Prime rate minus 0.50% APR

Variable-rate line of credit
Current APR
Closed-end, fixed-rate loan
 
     
Perfect if A home equity loan is perfect for one-time expenses like debt consolidation, home improvements or paying for a wedding. A home equity line of credit is perfect if you need the money periodically over time, for example a home remodeling project, or to pay for college tuition. This gives you the flexibility to borrow what you need when you need it. You want to borrow money using the equity in your second home or investment property.
 
     
Rates The rate is fixed and so are the monthly payments to help you budget accordingly. The rate is variable and is tied to the Prime rate as published in the Wall Street Journal, so the rate can go up or down over time, which will affect your monthly payment. The rate is fixed and so are the monthly payments to help you budget accordingly.
 
     
Points, Fees, Closing Costs No points, no fees, no closing costs for loans over $15,000 No points, no fees, no closing costs for loans over $15,000.  Loans over $250,000 pay actual costs ranging between $500 and $700. No points, no fees, no closing costs for loans over $15,000
 
     
Term Choose a term up to 15 years Pay interest only for up to 10 years, followed by 15 years of fully amortized payments Choose a term up to 12 years
 
     
Borrow Borrow up to 80% of the first $500,000 and 50% on the remaining appraised home value to a maximum of $625,500 on California properties Borrow up to 80% of the first $500,000 and 50% on the remaining appraised home value to a maximum of $625,500 on California properties Borrow up to 70% of the appraised home value to a maximum of $500,000 on California properties
 
 
Federally insured by NCUA
Equal Housing Lender
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