Home Equity Line of Credit

Access your home’s equity in a revolving credit line that can be used anytime. 

It's Your Equity to Use on Anything You Want

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 $50,000.

Making your home work for you.

Our introductory interest rate on a Home Equity Line of Credit (HELOC) for 12 months is as low as 3.98% APR1. And, with an interest-only feature, your monthly payments can be even more affordable. 

Our HELOC features:
  • No lender fees, no annual fee, and no closing costs2
  • 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
  • Interest payments may be tax deductible (consult your tax advisor)

We are available to walk you step-by-step through the process and determine the home loan product that's best for you. Give us a call today at (877) 495-1600, or begin the online loan application today.

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More Mortgage Options

Home Equity Loans 

You've worked hard to build the equity in your home, now let it work for you and your family with a Cal Coast Home Equity Loan. 

Refinancing a Home Loan

Save more on the things that matter by lowering your monthly mortgage payment by refinancing with Cal Coast. 

Cal Coast Home Rewards

Did you know Cal Coast offers a home buying and selling service exclusive to our members? Buying or selling your home can be rewarding and easy with our professional Home Rewards team. 

  1. APR = Annual Percentage Rate. Rates and terms effective as of 09/18/2020 based on credit history, subject to approval, and subject to change without notice. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.
  2. 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.
  3. Closing costs up to $936 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.

Contact Us

Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.