Home Equity Lines of Credit and Loans

Get the credit you so deserve.

Don’t put it off any longer! Build that outdoor deck, remodel your kitchen, fix that leaking roof. It’s easy with a low introductory rate on a line of credit or a fixed-rate loan.

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Home Equity Lines of Credit and Loans

Equity Advantage Line of Credit
Equity Fixed-rate Loan

Equity Advantage Line of Credit

Get cash in hand in three short weeks!

Access your home’s equity in a revolving credit line that can be used over and over — and over again. Finance up to 80% of your home's available equity to a maximum of $250,000.

Low rate, lower payments.

Our introductory interest rate for 12 months is as low as 3.98% APR.* And, with an interest-only feature, your monthly payments can be even more affordable. Not to mention, your interest payments may be tax deductible (consult your tax advisor). Best of all, if you apply online, you can get the cash you need in just three weeks.

Credit that works with you.
  • No lender fees, no annual fee, and no closing costs**
  • Convenient Visa® credit card or personal checks to access your equity line
  • Low interest-only payments and draw period for 10 years
  • 15-year payment term begins after the 10-year draw period
  • Loan advances can be taken as needed, and interest is charged only on the funds in use

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*APR = Annual Percentage Rate.

Equity Advantage 80: Introductory Annual Percentage Rate (APR) of 3.98% is offered on single-family owner-occupied homes up to 80% CLTV, for twelve months on new lines only. Thereafter, rate increases to the Prime Rate as published in the Wall Street Journal, or the floor rate of 4.25% APR, whichever is greater, and may adjust a maximum of .5% monthly. The maximum APR (Lifetime Cap) is 12%. The minimum APR (Floor Rate) is 4.25%. Loans on second homes and investment properties in CA are available at different rates / terms.

Equity Advantage 90: Equity Advantage 90 is offered on single-family owner-occupied homes up to 90% CLTV.  The rate is the Prime Rate as published in the Wall Street Journal plus .50%, or the floor rate of 4.50% APR, whichever is greater, and may adjust a maximum of .5% monthly. The maximum APR (Lifetime Cap) is 12%. The minimum APR (Floor Rate) is 4.50%. Loans are only available on owner-occupied properties in CA.

Equity Advantage 100: Equity Advantage 100 is offered on single-family owner-occupied homes up to 100% CLTV.  The rate is the Prime Rate as published in the Wall Street Journal plus 1.00%, or the floor rate of 5.00% APR, whichever is greater, and may adjust a maximum of .5% monthly. The maximum APR (Lifetime Cap) is 12%. The minimum APR (Floor Rate) is 5.00%. Loans are only available on owner-occupied properties in CA.

**Closing costs up to $650 waived if the loan remains open for 36 months from the date of loan funding. Closing costs include title search, escrow, credit report, tax service and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues and for purchases, down payment, transfer taxes, and owner’s title policy. Rates and terms as of 03/26/2015 based on credit history, subject to approval, and subject to change without notice. Some restrictions apply.

       

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Equity Fixed-rate Loan

Let your home work for you. Not the other way around.

Cash in on your home’s equity — for repairs, renovations, or just about anything your heart desires. Fix the rate on your current equity line and/or keep part of your current equity line and lock into a lower monthly payment. Loan amounts up to $250,000 are available. Interest payments may be tax deductible (consult your tax advisor).

Zilch. Zero. Nothing more to it.
  • No points
  • No annual fee
  • No lender fees
  • No closing costs*

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View  Home Loan Rates

 

APR= Annual Percentage Rate

Fixed Rate 80 Payment example: A $50,000 loan on a single-family owner-occupied home up to 80% CLTV with a 10 year term at 6.00% APR has a monthly payment of $555.10, a 15 year term at 6.50% APR has a monthly payment of $435.55, and a 20 year term at 7.25% APR has a monthly payment of $395.19. Minimum monthly payment of $75 required. Loans on second homes and investment properties in CA are available at different rates / terms.

Fixed Rate 90 Payment example: A $50,000 loan on a single-family owner-occupied home up to 90% CLTV with a 10 year term at 6.50% APR has a monthly payment of $567.74, a 15 year term at 7.00% APR has a monthly payment of $449.41, and a 20 year term at 7.75% APR has a monthly payment of $410.47. Minimum monthly payment of $75 required. Loans are only available on owner-occupied properties in CA.

Fixed Rate 100 Payment example: A $50,000 loan on a single-family owner-occupied home up to 100% CLTV with a 10 year term at 7.00% APR has a monthly payment of $580.54, a 15 year term at 7.50% APR has a monthly payment of $463.51, and a 20 year term at 8.25% APR has a monthly payment of $426.03. Minimum monthly payment of $75 required. Loans are only available on owner-occupied properties in CA. 

*Closing costs up to $650 waived if the loan remains open for 36 months from the date of loan funding. Closing costs include title search, escrow, credit report, tax service and similar non-recurring fees.  You are responsible for property taxes, insurance, homeowner association dues and for purchases, down payment, transfer taxes, and owner’s title policy. Rates and terms as of 03/26/2015 based on credit history, subject to approval, and subject to change without notice. Some restrictions apply.

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Useful Tools & Services

We care about helping you get the credit you deserve.

Calculators

Educational Workshops

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A great place to do business with and everyone smiles when you walk in. Great rates on term buster loans. Check them out and you'll find out what great service is all about.

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Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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