California Cities > San Diego
San Diego Home Equity Listing
San Diego Heloc Lenders | Best Home Equity Loan Rates
ERATE® provides this page to help consumers locate home equity lenders covering San Diego. Our goal is to provide an extensive network of home equity lenders throughout the San Diego area. We are not responsible for the performance of these lenders. Whenever selecting financing be sure to do your own due diligence.
Find Best Heloc Rates - California Homes
| Home Equity Companies |
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"Borrow whenever you need to for any reason, up to 85% of your home's value." (from https://www.afbank.com/personal/creditloans/)
Armed Forces Bank Of California, National Association Branch
Toll Free: 1-855-558-8551
Fleet Store Branch
Toll Free: 1-855-558-8551
Nab Coronado Branch
Toll Free: 1-855-558-8551 |
A home equity line of credit (HELOC) lets you borrow against available equity with your home as collateral. (from bankofamerica.com)
36th And National Branch
Toll Free: 1-866-290-4674
4 S Ranch Branch
Toll Free: 1-866-290-4674
42nd-El Cajon Branch
Toll Free: 1-866-290-4674 |
"Home Equity Lines of Credit offer you the ability to leverage the equity in your home to provide you with the funds that you need to get started on...."
Bank Of Southern California, N.A.
Toll Free: 1-858-847-4780
Downtown Branch
Toll Free: 1-858-847-4780 |
"A Home Equity Line of Credit (HELOC) is a line of credit where the borrower uses the equity in their home as collateral. Borrowers can access their funds by writing checks, making transfers at the branch, by phone, or through online banking. " (from https://www.bankofthewest.com/personal-banking/loans/home-equity.html)
701 B Street
Toll Free: 1-844-777-2689 Bank Of The West in the News |
"With a home equity line of credit (HELOC), you use the equity in your home to finance all sorts of ideas, like landscaping your lawn or putting a pizza oven on your patio." (from https://www.bannerbank.com/personal/loans/home-equity)
Balboa Clairemont Branch
Toll Free: 1-800-272-9933
Carmel Valley Branch
Toll Free: 1-800-272-9933
Point Loma San Diego Branch
Toll Free: 1-800-272-9933 |
Utilize your homes equity to finance home improvements, major purchases, or unexpected expenses. With a Home Equity Line of Credit (HELOC), you can easily access available credit when you need it. Enjoy low monthly payments and competitive HELOC rates when you apply online. (from https://www.bbvacompass.com/loans.html)
Carlsbad Branch
Toll Free: 1-888-8-LENDING
Mika Mesa Branch
Toll Free: 1-888-8-LENDING
Oceanside Branch
Toll Free: 1-888-8-LENDING |
When you decide to put the equity in your home to work, California Bank & Trust can help. Our Home Equity Lines of Credit offer flexible loan amounts and repayment terms, which can make this a smart time to take advantage of a promising opportunity, tackle a new project, or simply consolidate debt. (from calbanktrust.com)
Carmel Valley Branch
Toll Free: (800) 429-7685
City Heights Branch
Toll Free: (800) 429-7685
Golden Triangle Branch
Toll Free: (800) 429-7685 |
" 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."
Clairemont Phone Number: 1-858-495-2201
East Village Phone Number: 1-877-495-1600
Hillcrest Phone Number: 1-619-542-5229 |
Home Equity Financing. If you need funds to cover unexpected expenses or to consolidate personal obligations, our equity financing will make your borrowing fast and easy.
San Diego Branch
Toll Free: 1-800-9CATHAY Cathay Bank in the News |
Access cash from the equity in your home. Current Home Equity Line of Credit variable rates https://www.chase.com/personal/mortgage/home-equity
Bernardo Center Branch
Toll Free: 1-888-342-4273
Broadway And 7th Branch
Toll Free: 1-888-342-4273
Carmel Mountain Ranch Branch
Toll Free: 1-888-342-4273 |
A Home Equity Line of Credit (HELOC) is a form of revolving credit in which your home serves as the collateral. It is comprised of a draw period when you can access the funds and a repayment period during which you can no longer draw funds. (from https://online.citi.com/US/JRS/portal/template.do?ID=mortgage_heloc&JFP_TOKEN=63XGQA7S) Mira Mesa
Toll Free: 1-877-362-9100 Rancho Bernardo
Toll Free: 1-877-362-9100
San Diego City Heights Branch
Toll Free: 1-877-362-9100 |
"A home equity line of credit gives you the flexibility to borrow funds when you need, at a competitive rate."
Carmel Valley Business Financial Center Branch
Toll Free: 1-800-771-2228 |
Improve your lifestyle with a City National Total Line of Credit (TLC). A TLC is a smart financial planning and purchasing tool for select clients who may wish to use home equity for... (from https://www.cnb.com/individual/borrow-money.asp)
Downtown San Diego Banking Office Branch
Toll Free: (800) 773-7100
Mission Valley Office Branch
Toll Free: (800) 773-7100 High Bluff Office
Toll Free: (800) 773-7100 |
Use your home to your advantage with a home equity line of credit.
Carmel Mountain Ranch Branch
Toll Free: 855.451.9201
Del Mar Heights Branch
Toll Free: 855.451.9201
Diamondview Tower Banking Center Branch
Toll Free: 855.451.9201 |
Use funds to finance a big purchase, consolidate debt, or fund home improvements. You can withdraw money as you need it and make additional payments in addition to your interest only payment if you choose to. (From https://www.eastwestbank.com/Views/Pages/personal/loans/home-equity.cshtml)
Metro United Bank Branch |
"Financial Partners is one of California's largest credit unions, providing home loans, auto loans, credit cards, checking accounts, and other banking services for nearly 80 years."
8889 Rio San Diego Dr., Suite 100
Toll Free: 800.950.7328 |
"Homeowners, the equity in your house can help pay for just about any major purchase you can dream of - like a home remodel, new landscaping, or even a pool."
Otay Mesa Branch
Toll Free: 1-800-760-2265 |
Home Equity Loans & Lines of Credit. Whether it is for home repairs or your childs education, weve got solutions to help. (from firstcitizens.com)
Rancho Bernardo Branch
Toll Free: 1.888.323.4732
San Diego Branch
Toll Free: 1.888.323.4732 |
"HELOCs have variable rates and can be used to draw down cash as needed rather than all upfront like a Home Equity Loan."
San Diego Office Branch
Toll Free: 1-888-830-4199 |
With a Home Equity Line of Credit from First Republic, you can tap into the equity in your home to fund the projects that are important to you - whenever you need it. (from https://www.firstrepublic.com/personal/residential-lending?gnav=globalheader;personal-residential-lending)
San Diego - High Bluff Branch
Toll Free: Â 1-888-408-0288
San Diego Downtown Branch
Toll Free: Â 1-888-408-0288 |
"What can you get with a First Tech Home Equity Loan? Home repair, house remodel, debt consolidation or college tuition. Whatever your need for extra cash, a home equity loan may be a great choice."
San Diego Branch Phone Number: (858) 385-4001 |
"A home equity line of credit is a form of revolving credit in which your home serves as collateral"
San Diego Branch
Toll Free: 1-866-654-2664 |
"HELOCs can provide great financial flexibility for homeowners. Contact a HomeStreet Loan Officer if you are interested in how a HELOC could benefit you."
Kearny Mesa Branch
Toll Free: 800-809-1377
Mission Gorge Branch
Toll Free: 800-809-1377
Point Loma Branch
Toll Free: 800-809-1377 |
"Your home's equity has plenty to offer."
13161 Black Mountain Rd Ste 9 Phone Number: (855) 801-1823 |
Borrowing against your equity also allows you to access just the amount you need, without refinancing or affecting your current low-interest first mortgage (from https://www.loandepot.com/home-equity-loan)
5015 Shoreham Place, Suite 100 Phone Number: 562-257-5000
8880 Rio San Diego Dr., Suite 1045 Phone Number: 562-257-5000 |
Home Equity Loans/Lines of Credit. Youve provided for your home, now let it provide for you. Competitive rates. Affordable payments. (from https://www.mechanicsbank.com/Personal/Borrowing#home-equity)
San Diego Branch
Toll Free: 800.797.6324 |
"Mission Fed is proud to offer lower interest rates and fewer fees on Home Equity Lines of Credit to help you keep your costs down."
10807 Thornmint Phone Number: 1-858-524-2601
Carmel Mountain Phone Number: 1-858-524-2850
Carmel Valley Phone Number: 1-858-524-2850 |
"Money if and when you need it. Tap the equity in your home with a Home Equity Line of Credit."
Torrey Hills Branch Phone Number: 1-866-351-5646 |
Our Interest-Only Fixed-Rate Equity Loan makes budgeting a snap. You begin with low interest-only payments, then move to principal-and-interest payments starting the sixth year. (from https://www.navyfederal.org/products-services/loans/equity/equity.php) Black Mountain
Toll Free: (888) 842-6328 Clairemont Mesa
Toll Free: (888) 842-6328 Imperial Marketplace
Toll Free: (888) 842-6328 |
Not necessarily a Home Equity Loan lender. However per their website they offer "The FHA 203k renovation loan is designed for borrowers who are interested in financing home improvement, and it can be used for both purchase and refinance." Read more at https://www.newamericanfunding.com/loan-types/home-improvement/#EpMrLl2uyQKtY42V.99
San Diego
Toll Free: 800-890-1057 |
Convert your home equity into a line of credit that you can use for a variety of purposes. (from https://www.ppbi.com/personal-banking/personal-loans.html)
San Diego Branch Phone Number: 949.864.8000 |
Several financing options including Home Equity Line of Credit
Golden Triangle Branch Phone Number: 1-310-887-8500
Point Loma Branch Phone Number: 1-310-887-8500
Rancho Bernardo Branch Phone Number: 1-310-887-8500 |
"Tackle your to-do list affordably with a PLCU Home Equity Line of Credit (HELOC)"
Kearny Mesa Main Office
Toll Free: 1-888-495-3400
Rancho Bernardo
Toll Free: 1-888-495-3400
Sports Arena Branch
Toll Free: 1-888-495-3400 |
"Using the value of your home couldn't be easier or more affordable. With no annual or maintenance fees, a HELOC can be an easy, affordable way to finance home improvement projects." (from https://www.sdccu.com/mortgage-loans/home-equity-loans)
Balboa Genesee
Toll Free: (877) 732-2848
Carmel Mountain
Toll Free: (877) 732-2848
Del Mar
Toll Free: (877) 732-2848 |
"A Home Equity Line of Credit (HELOC) is a variable rate revolving form of credit that uses your home as collateral...."
San Diego Branch
Toll Free: 1-877-770-7422 |
"Your home is one of the most important investments you’ll ever make. At Torrey Pines Bank, we have Home Equity Loans and Lines of Credit that help you take care of this investment—and add value to it, too." Torrey Pines Bank is a Division of
12220 El Camino Real Suite 200 Phone Number: (858) 523-4600 |
Home Equity Line of Credit. HELOCs let you access funds as you need them, similar to credit cards — but with rates that are typically lower. (from https://www.usbank.com/home-loans/home-equity/)
36th & El Cajon Branch
Toll Free: 800-US-BANKS
Balboa Vons Branch
Toll Free: 800-US-BANKS
Carmel Valley Branch
Toll Free: 800-US-BANKS |
Need some cash? Whether it is for home improvements, an emergency or consolidating debts, you can access the equity in your home. Rancho Carmel
Toll Free: 877.254.9328 |
Change is a fact of life. So its good to know you can manage it. Whether you're making home improvements, paying down high interest debt, financing large purchases such as a car or tuition expenses, or even going green, you can utilize your home's equity to get the funds you need. (from unionbank.com/personal-banking/loans-lines-credit/home-equity/index.jsp)
East Village Branch
Toll Free: 1-866-UBLOANS
Sorrento Valley Branch
Toll Free: 1-866-UBLOANS
Torrey Hills Branch
Toll Free: 1-866-UBLOANS |
Home Equity Credit Line "Because your home equity line of credit is secured by your home, the interest rate is usually lower than with other types of loans."
Scripps Poway Branch
Toll Free: 1-800-974-8800
Carmel Valley Branch
Toll Free: 1-800-974-8800
Golden Triangle Branch
Toll Free: 1-800-974-8800 |
Our home equity line of credit is designed to help you use the equity in your home responsibly. If you're considering a home renovation or planning for a major expense, we can help. (From https://www.wellsfargo.com/mortgage/loan-programs/home-equity-line-of-credit/)
4s Ranch Branch
Toll Free: 1-888-667-1772
Scripps Poway Vons Branch
Toll Free: 1-888-667-1772
Mira Mesa Branch
Toll Free: 1-888-667-1772 View More Branches Located in San Diego Wells Fargo Bank in the News
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Home equity loans come in two forms. One time lump sum loan amount or as a home equity line of credit (HELOC) where you can draw cash as you need it. (The home equity rate quotes provided on this page are from lenders covering San Diego but not necessarily having offices in San Diego.)
Current Home Equity Line Rates in CA
Home equity lines of credit (HELOCs) are a popular financing option for homeowners in San Diego who need to access the equity they have built up in their homes. HELOCs allow homeowners to borrow against the equity in their homes and access funds as needed, up to a certain limit. However, there are several factors that borrowers in San Diego should consider before taking out a HELOC.
One important factor to consider is the interest rate on the HELOC. While HELOCs often have lower interest rates than other forms of credit, such as credit cards or personal loans, the interest rates on HELOCs can vary depending on the lender and the borrower's credit history. It's important to compare interest rates from multiple lenders to ensure you are getting the best deal possible.
Another factor to consider is the repayment period of the HELOC. HELOCs typically have a draw period, during which borrowers can access funds, and a repayment period, during which the borrowed funds must be repaid. It's important to understand the terms of the repayment period and make sure you have a plan for repaying the loan within the allotted time.
In San Diego, borrowers should also be aware of the regulations and requirements that apply to HELOCs. For example, lenders are required to provide borrowers with a disclosure statement that outlines the terms and conditions of the loan, including interest rates and fees. Borrowers should review this statement carefully before taking out a HELOC.
Another requirement in San Diego that affects HELOCs is the three-day right of rescission. This means that borrowers have three business days to cancel the loan without penalty. It's essential to ask your lender about this right of rescission if you are considering taking out a HELOC.
Finally, borrowers in San Diego should consider their financial goals and needs when deciding whether to take out a HELOC. While HELOCs can be a useful tool for accessing funds, they can also be a risk if not used responsibly.Consider consulting with a trusted financial advisor and carefully review your options before taking out a HELOC. By doing so, you can make an informed decision that aligns with your financial goals and needs.
See Current HELOC Rates for homes in San Diego
When exploring the option of a Home Equity Line of Credit (HELOC) in San Diego, homeowners should also weigh the potential impact on their financial flexibility. HELOCs offer a unique advantage by providing a revolving line of credit that homeowners can draw on as needed, making it an excellent choice for ongoing expenses or projects with variable costs. Additionally, the tax implications of borrowing against home equity can be beneficial, as the interest paid on a HELOC may be tax-deductible if the funds are used for home improvement purposes. However, it's vital to consult with a tax advisor to understand how this applies to your situation. Understanding these factors, along with the economic climate and housing market trends in San Diego, can help ensure that a HELOC aligns with your long-term financial strategies. Always consider the potential for fluctuating interest rates over time and how it might affect your monthly payments and overall loan cost.
Logos appearing on this page were obtained from their respective websites by ERATE for the purposes of product comparison or editorial purposes. ERATE is not directly affiliated with or endorsed by the lenders or financial institutions listed here. If you are the owner of the logo and wish for us to remove or change the logo, please contact us.
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