Today’s Rates

Contact us for all available mortgage loan products and rates!

5/1 Conforming ARM7/1 Jumbo ARM30 Year Fixed Jumbo
4.281% APR4.327% APR3.814% APR
3.250% Rate3.500% Rate3.750% Rate
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Home Equity Loan

Leveraging home equity to your advantage

Home equity loans, also known as second mortgages or second deeds of trust loans, are used to describe loans in addition to a first mortgage. They are based on the current value of your home versus your existing mortgage balance.  You may borrow up to 80% of your equity.

For example:

Home is valued at $700,000
Mortgage balance is $500,000
Equity is $60,000

You could apply to borrow up to $60,000, which is 80% of the combined loan-to-value in the example above. What’s more, your interest may be tax deductible (please check with your tax advisor).

At Stanford FCU, you can cash in on your equity to pay for any number of expenses — remodel your kitchen or bathroom, pay for college, consolidate other debt, or even start your own business! And since we’re not-for-profit, you’ll have no points, no annual fees and no prepayment penalty. Stanford FCU’s home equity loans get you the money you need to live your life without the extra fees or high-interest rates you’ll find at banks.


Understanding Home Loans

Learn the ins and outs of mortgage loans, whether you’re a first-time homebuyer or considering a refinance.


Stanford FCU offers two types of Home Equity Loans:

Home Equity Line of Credit (HELOC)

  • Offers a low, adjustable interest rate
  • Loans up to $250,000
  • 10-year draw period and 10-year repayment period
  • Interest-only payments during the initial 10-year draw period
  • NO points, NO annual fee, NO prepayment penalty
  • Allows you to borrow up to 80% of the value of your property, less any other loans against the property
  • California owner-occupied and second-home properties only

Home Equity Loan

  • Offers a low, fixed interest rate
  • Loans up to $250,000 and up to 20 years to repay
  • Allows you to borrow up to 80% of the value of your property, less any other loans against the property
  • California owner-occupied and second-home properties only

Equity Specialist

Our in-house home equity lending specialist is among the best in the industry! Whatever your situation, chances are we’ve helped someone with a very similar situation before. We are also unique in our ability to serve members’ needs. We’re large enough to provide expertise and a wide variety of loan programs, yet small enough to offer personalized service and cater to the most unique situations.



All loans are subject to verification of equity. Limited to owner occupied one- or two-unit properties located in California. Other restrictions on property may apply. Member pays title and escrow costs. Property insurance required. Flood insurance may be required. Maximum financing may be reduced in areas where properties are in declining market. Rates and terms are subject to change without notice.  Additional terms and conditions may apply.  Lifetime Maximum APR is 15%.
All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. Click here to view.
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