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Featured Home Equity Rates in California

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Third Federal Savings and Loan NMLS ID: 449401 / Updated 2025-05-13 Equal Housing Lender

  Intro APR: 6.990 % After Intro:6.990 %

  $0

  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 Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-05-01

  Intro APR: 7.350 % After Intro:7.350 %

  $15,000

  Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2025-05-13

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-04-18

  Intro APR: 6.490 % After Intro:7.750 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2025-05-08

  Intro APR: 9.875 % After Intro:9.875 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640 Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-05-13

  Home Equity Loans & Refinance – Cash out

  $0

  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 Learn More

• The Loan Exchange NMLS ID: 1637539 / Updated 2024-11-18

  Intro APR: 10.950 % After Intro:10.950 %

  $0

  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. Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-05-13

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2025-05-13

  Unlock Your Home's Potential

  $0

  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 Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2025-05-13 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.

  $0

  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 Learn More

• District Lending NMLS ID: 598623 / Updated 2025-05-13

  No Lender Fees

  $0

  No Lender Fees Fast Easy Over 20 Years Experience Learn More

• New American Funding, LLC NMLS ID: 6606 / Updated 2025-05-13

  Cash-Out and Home Equity Options Available.

  $0

  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 Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2025-05-13

  Get up to $500k with no monthly payments, ever.

  $0

  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 Learn More

• PenFed Credit Union NMLS ID: 401822 / Updated 2025-05-13 Equal Housing Lender

  Home Equity Line of Credit - Equal Housing Lender

  $0

  Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans Learn More

• 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, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates in California

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• District Lending NMLS ID: 1835285

  6.506%

  $1,997 Fees & Points $4,400 Total 0.875 Pts ($2,800) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Barrett Financial NMLS ID: 181106 License#: Licensed

  6.645%

  $2,023 Fees & Points $4,845 Total 1.000 Pts ($3,200) $1,645 Fees

  fill in Learn More

• Cornerstone Capital Lending NMLS ID: 2627028

  6.726%

  $2,049 Fees & Points $3,443 Total 0.675 Pts ($2,160) $1,283 Fees

  Loan options for all kinds of situations. Home loans, Investor loans, DSCR. Learn More

• Mortgage X, LLC NMLS ID: 2569359

  6.727%

  $2,049 Fees & Points $3,466 Total 0.741 Pts ($2,371) $1,095 Fees

  Conventional, Jumbo, VA and FHA Loans Self Employed – Bank Statement & PNL Only Investor Loans – Cash Out – No Income Documents Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.846%

  $2,076 Fees & Points $3,164 Total 0.770 Pts ($2,464) $700 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• Refi.com NMLS ID: 1907 License#: California

  6.942%

  $2,103 Fees & Points $2,202 Total 0.688 Pts ($2,202) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• West Capital Lending NMLS ID: 1566096

  6.992%

  $2,103 Fees & Points $3,817 Total 0.646 Pts ($2,067) $1,750 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• PenFed Credit Union NMLS ID: 401822

  7.022%

  $2,103 Fees & Points $4,800 Total 0.500 Pts ($1,600) $3,200 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Agave Home Loans NMLS ID: 1951574 License#: DFPI-60DBO-112121

  7.306%

  $2,183 Fees & Points $1,964 Total 0.552 Pts ($1,766) $198 Fees

  Low Rates and Great Service Earned Us 1200+ 5-Star Reviews and A+ BBB Rating Combine high-interest debts into one loan with a lower interest rate Get a Quick Quote Learn More

• Rocket Mortgage NMLS ID: 3030

  7.350%

  $2,183 Fees & Points $3,200 Total 1.000 Pts ($3,200) $0 Fees

  A+ Rating with the Better Business Bureau Highest in Customer Satisfaction in the US Calculate Your New Payment for Free Today Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews Learn More

• 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, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.