Home Equity Rates

Equity Advantage Line of Credit

With our low Equity Advantage Line of Credit rates, you can get the cash you need for home improvements, higher education, and even that dream vacation. Plus, you can take advantage of paying off high interest debt and enjoying low monthly payments! Apply today!

Fixed Rate Equity Loans

With a low fixed-rate equity loan, you could remodel your home, refinance your current equity line of credit or secure a low fixed rate on part or all of your current equity line. Apply today!

Rates effective: 4/19/2014

APR*
(As Low As)
Term Rate Type Get Started!
Equity Advantage Line of Credit
     

3.98%** 10 Year Draw/15 Year Repayment Variable
     
Fixed Rate Equity Loan
6.49%*** 10 Year Fixed

6.99%*** 20 Year Fixed
7.99%*** 30 Year Fixed

*APR = Annual Percentage Rate.

**Introductory Annual Percentage Rate (APR) of 3.98% is offered on owner-occupied properties 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 5.00% APR, whichever is greater, and adjusts a maximum of .5% monthly. The maximum APR (Lifetime Cap) is 12%. The minimum APR (Floor Rate) is 5%. Minimum $10,000 advance required at closing. Loans are available for vacation/second home and investment/rental properties in CA at different rates and terms. Rates and terms are as of 04/01/11, based on credit history subject to credit approval, and subject to change without notice. Some restrictions apply. All loans subject to approval.

*** Payment example: A $50,000 loan on owner-occupied properties at up to 80% combined LTV with a 10 year term at 6.49% APR has a monthly payment of $567.49, a 20 year term at 6.99% APR has a monthly payment of $387.35, and a 30 year term at 7.99% APR has a monthly payment of $366.53. Minimum monthly payment of $100. Terms greater than 20 years require a minimum $100,000 loan amount. Loans are available for vacation/second homes and investment/rental properties in CA at different rates and terms. Rates and terms are as of 04/01/11, based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

Closing costs up to $650 waived if the loan remains open for 36 months from the date of loan funding. Closing costs include credit report, document preparation, tax service and similar fees. You are responsible for property taxes, insurance, homeowner association dues and for any required down payment, transfer taxes, and owner's title policy on purchases.