Home Equity Loans

Home Equity Loans Home Equity Loans

For Buying, Refinancing, Home Improvements, Bill Consolidation, and Financing College Educations . . .
You'll Feel Right at Home at California Coast Credit Union!

Home Equity Lines of Credit
Equity Advantage

Home Equity Loans
Equity 80 Home Loan

Equity Advantage apply now

The savings add up fast with California Coast’s Prime + 0% Equity Line. Not only will you get a low long-term rate of Prime + 0% but you’ll also save with no points, fees, or closing costs.* What’s more, an interest-only feature can help make your monthly payments even more affordable. And since an Equity Advantage lets you finance up to 80% of your home’s available equity or a maximum of $250,000, you’ll have the cash you need to make your dream home a reality.

Your home's equity is as good as cash. Our Equity Advantage can give you ready access to your equity in a powerful, revolving credit line. Apply online today & get the cash you need in about 3 weeks.

Credit lines up to 80% of lendable equity, or a maximum of $250,000
No points
No fees*
No Closing Costs*
No Annual Fee
Low Interest-Only payments for 10 years
Low floor of 4.50% APR & Lifetime Cap of just 12.00%APR
10-year draw period
15-year payment term begins after the 10-year draw period
Convenient personal checks provided for easy loan advances
Lower rates than most credit cards
Interest payments are usually tax-deductible (Consult your tax advisor)
Loans available for vacation/second home and investment/rental property

Loan advances can be taken as needed, and interest is charged only on the funds in use.

*Equity Advantage Home Equity Lines are available for homes in CA. Annual Percentage Rate is equal to the Wall Street Journal Prime Rate + 0%. The APR may adjust .50% monthly subject to a lifetime cap of 12.00% APR. Minimum $10,000 advance is required at closing. No fees if credit line remains open for 36 months. Rates and terms are subject to change. Click here for rates and Regulation Z disclosures.

Equity 80 Home Loan apply now

With California Coast’s fixed rate equity Loan of 7.25%, which is just 7.32% APR you could remodel your home, fix part of your current equity line and/or keep part of your current equity line, and lock into a lower monthly payment.

Our fixed-rate equity loan also offers:

No points
No annual fee
No lender fees
Tax-deductible interest (consult tax advisor)
Loan amounts up to $250,000**.
Loans available for vacation/second home and investment/rental property

Look at how affordable your payments could be:

Amount Borrowed	*Rate of 7.25% 10-year term**	*Rate of 7.75% 11-20-year term**
$25,000	$294	$205
$50,000	$587	$411
$100,000	$1,174	$821

(30-year terms available at slightly higher rates.)

Apply online today!
Or call (877) 4 LOW LOANS

*The Rate of 7.25% = 7.32% Annual Percentage Rate (APR) and 7.75% = 7.79% APR. **Closing costs of $350 to $550 waived if loan remains open for 3 years. Property must be in California. Maximum 80% CLTV. Terms greater than 20 yrs require minimum $100,001 loan. Restrictions apply. Rates & terms as of 04/15/08 & subject to change.