Best HELOC Rates California Home Equity Line of Credit Rates

Best home equity line of credit (HELOC) rates in California

Looking for current Heloc Rates? ERATE.com provides an extensive list of Heloc Rates from banks, credit unions and mortgage lenders in CA.  We list top offers from numerous lenders for you. Over 35 lenders on Calif chart. Rates are updated daily. Additionally you can see the best Heloc rates even quicker each day via our Mortgage Rates iPhone App

(Last Updated: 12/23/2024)
Home Equity Lenders
APR
Rate
Initial Draw
Contact details
7.240% Intro APR
7.240% After Intro PeriodIntro Period: 0 months
7.240% Rate $0 Min. Initial Draw Amount
Conditions:
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
7.900% Intro APR
7.900% After Intro PeriodIntro Period: 0 months
7.900% Rate $25,000 Min. Initial Draw Amount
Conditions:
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
  • Apply in 5 minutes, get your money in as fast as 5 days.
  • Digital application experience.
  • Funds directly to your bank account.
  • No in-person appraisal needed.
10.950% Intro APR
10.950% After Intro PeriodIntro Period: 0 months
10.950% Rate $0 Min. Initial Draw Amount
Conditions:
Your rate will never increase above the start rate. California properties only. Max CLTV 75%. 5 year interest only followed by a 20 year repayment period.
  • Up to $250,000 in Home Equity Line of Credit.
  • Your rate will never go above the start rate. It can only go lower.
  • Low monthly payment - Interest only for the first 5 years
  • Get approved online in less than 5 minutes.
Home Equity Loans & Refinance – Cash out
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
  • Home Equity Loans & Refinance – Cash out
  • Customized rate quote with no impact to credit
  • Low Rates, Quick Approvals, Wide Range of Products
  • Over 100 Billion Funded. 22 Years in Business
No Lender Fees
Conditions:
HELOC, HELOAN or CASHOUT REFI all available.
  • No Lender Fees
  • Fast
  • Easy
  • Over 20 Years Experience
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.
Conditions:
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
  • Fastest way to turn home equity into cash
  • Flexible terms, redraw up to 100%, borrow $20k-$400k
  • Approval in as little as 5 minutes. Funding in as few as 5 days.
  • Use to consolidate debt or finance your next home project
"Unlock Your Home's Potential"
Conditions:
Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home. To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified. Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement. These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
  • Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
  • Unlock Your Home's Value: Discover the Power of our Online HELOC!
  • Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
  • Secure Your Future: Experience the Ease of our Fixed Home Equity Loans
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Home Improvement, Buy a Vacation Home
  • 303k+ positive reviews, A rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
8.750% APR 8.750% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
9.000% After Intro PeriodIntro Period: 12 months
9.000% Rate $0 Min. Initial Draw Amount
9.240% APR 9.240% Rate $0 Min. Initial Draw Amount
7.900% APR 7.900% Rate $0 Min. Initial Draw Amount
9.000% APR 9.000% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.400% After Intro PeriodIntro Period: 12 months
8.400% Rate $25,000 Min. Initial Draw Amount
8.500% APR 8.500% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
8.250% APR 8.250% Rate $0 Min. Initial Draw Amount
8.250% APR 8.250% Rate $0 Min. Initial Draw Amount
8.500% APR 8.500% Rate $0 Min. Initial Draw Amount
9.250% APR 9.250% Rate $0 Min. Initial Draw Amount
8.490% Intro APR
11.625% After Intro PeriodIntro Period: 6 months
11.625% Rate $0 Min. Initial Draw Amount
8.500% APR 8.500% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.000% After Intro PeriodIntro Period: 6 months
8.000% Rate $0 Min. Initial Draw Amount
6.490% Intro APR
7.500% After Intro PeriodIntro Period: 6 months
7.500% Rate $0 Min. Initial Draw Amount
8.500% APR 8.500% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.750% After Intro PeriodIntro Period: 12 months
8.750% Rate $5,000 Min. Initial Draw Amount
8.750% APR 8.750% Rate $10,000 Min. Initial Draw Amount
6.490% Intro APR
9.250% After Intro PeriodIntro Period: 6 months
9.250% Rate $100,000 Min. Initial Draw Amount
8.590% APR 8.590% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.250% After Intro PeriodIntro Period: 12 months
8.250% Rate $0 Min. Initial Draw Amount
8.250% APR 8.250% Rate $0 Min. Initial Draw Amount
9.500% APR 9.500% Rate $0 Min. Initial Draw Amount
6.240% Intro APR
9.000% After Intro PeriodIntro Period: 6 months
9.000% Rate $0 Min. Initial Draw Amount
7.250% Intro APR
7.750% After Intro PeriodIntro Period: 6 months
7.750% Rate $0 Min. Initial Draw Amount
8.900% APR 8.900% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
9.000% After Intro PeriodIntro Period: 12 months
9.000% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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