Grandpoint Bank : La Jolla Branch
875 Prospect Street
La Jolla , CA 92037
Featured Home Equity Rates in California
#1 Non-bank HELOC in the US, A+ BBB Rating
$0
#1 Non-bank HELOC in the US, A+ BBB Rating
Access $15,000 to $750,000 in home equity with flexible terms
Approval in as few as 5 minutes, funding in as few as 5 days
Use to consolidate debt, finance your next home project, or major expenses
NMLS ID: 2611 /
Updated 2026-04-29
Equal Housing Lender
Intro APR : 6.823 %
After Intro: 6.823 %
$25,000
Nation's #2 retail mortgage lender in 2024.
Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
No in-person appraisal needed.
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Flexible terms, borrow $15K-$750K, 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
Get up to $600k with no monthly payments, ever.
$0
Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states
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
NMLS ID: 1464945 /
Updated 2026-04-30
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).
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
Cash in with a HELOC
$0
Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today
Rate data provided by RateUpdate.com. Displayed by 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 .
Featured 30-Year Fixed Mortgage Rates in California
0.000%
$0
Fees & Points
$0 Total
0.000 Pts
($0)
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Tap into your home’s equity with a cash-out refinance
NMLS ID: 1907
License#: California
6.315%
$1,971
Fees & Points
$2,202 Total
0.688 Pts
($2,202)
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
Fees & Points
Total
Pts
($0)
Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews
Fees & Points
Total
Pts
($0)
Apply in less than 10 minutes.
Fast, stress-free closing in as little as 16 days
More loan types so you’re more likely to qualify
Fees & Points
Total
Pts
($0)
Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings
Fees & Points
Total
Pts
($0)
Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.
Fees & Points
Total
Pts
($0)
Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
Rate data provided by RateUpdate.com. Displayed by 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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