California Home Equity Loan - 5 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Five Year Loan

(Last Updated: 03/25/2025)
Home Equity Lenders
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Tap Into the Equity of Your Home to Get The Cash You Need
Conditions:
2024 Top Flite Financial, Inc. NMLS# 4181. 201 School St, Ste. 200, Williamston, MI 48895. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Not all loan products are available in all states. Not all borrowers will qualify. For licensing information, go to www.nmlsconsumeraccess.org.
  • 1st Mortgages & Home Equity Loans (Credit Score Approvals Down to 500)
  • Cash Out and Debt Consolidation Experts
  • Self Employed Bank Statement Loan Programs
  • A+ BBB Rating and 4.9 Stars on Google
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
No Lender Fees
Conditions:
HELOC, HELOAN or CASHOUT REFI all available.
  • No Lender Fees
  • Fast
  • Easy
  • Over 20 Years Experience
Get up to $500k with no monthly payments, ever.
Conditions:
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
  • No income requirements or need for perfect credit
  • Your home wealth, to use your way
  • Find out if you qualify in as little as 60 seconds
  • Home Equity Investments are not considered a loan in all states
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.
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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 $15k-$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
Ready to access funds?
Conditions:
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender
  • Ready to access funds?
  • Homeowners’ best kept secret for cash.
  • Access equity on YOUR terms.
  • It costs $0 to see how much you could get with a lender
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
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Competitive Rates for FICO Scores 580-679
  • 366k+ positive reviews, A rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
7.740% APR 7.740% Rate $2,016 Est. Payment per month
6.375% APR 6.375% Rate $1,951 Est. Payment per month
9.500% APR 9.500% Rate $2,101 Est. Payment per month
6.000% APR 6.000% Rate $1,934 Est. Payment per month
9.250% APR 9.250% Rate $2,088 Est. Payment per month
7.590% APR 7.590% Rate $2,009 Est. Payment per month
8.150% APR 8.150% Rate $2,035 Est. Payment per month
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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