Home Equity Loans

Home Equity Loans and Lines of Credit are a great way to access the equity you’ve built in your home!

Also known as second mortgages and second deeds of trust, you can borrow up to 80% of your home’s equity at a low rate and use the funds for any purpose.



Your home is valued at $1 million (80% = $800,000)
Your mortgage balance is $550,000
You can borrow up to $250,000 ($800,000 - $550,000)

Features for both loans


Use the funds for any purpose: Home remodel, college tuition or debt consolidation
$500 processing fee, plus title and escrow fees (Ambassadors get up to $675 credited after funding!)
No points, no annual fee, and no prepayment penalty
California owner-occupied and second-home properties only
Loan amounts up to $250,000

Home Equity Loan

  • Low, fixed interest rate
  • Up to 20 years to repay

Home Equity Line of Credit (HELOC)

  • Low, adjustable interest rate
  • 10-year draw period and 10-year repayment period
  • Interest-only payments during the initial 10-year draw period

Home Equity Lending Specialists

Katherine Selga - Home Equity Lending Specialist

Katherine Selga

|NMLS #719350

Denise Butler - Home Equity Lending Specialist

Denise Butler

|NMLS #723524

Mortgage details you need to know

Learn More

All loans subject to credit approval. Membership eligibility required.

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. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.