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Featured Home Equity Rates in California

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2026-04-09 Equal Housing Lender

  Tap into your home's equity & access the funds you need with a HELOC

  $0

  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* Access cash when you need it Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2026-04-09

  Intro APR: 6.125 % After Intro:6.125 %

  $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: 600 Learn More

• Third Federal Savings and Loan NMLS ID: 449401 / Updated 2026-03-04 Equal Housing Lender

  Intro APR: 6.240 % After Intro:6.240 %

  $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

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-03-20 Equal Housing Lender

  Intro APR: 6.750 % After Intro:6.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  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 Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % 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 Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-02-16 Equal Housing Lender

  Intro APR: 7.375 % After Intro:7.375 % Intro Period: 7 months

  $25,000

  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 Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-02-11

  Intro APR: 7.770 % After Intro:7.770 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-09 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k 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

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-04-09

  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

• Splash Financial NMLS ID: 1630038 / Updated 2026-04-09 Equal Housing Lender

  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 Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-04-09

  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 Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-04-09

  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

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-09

  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

• Refi.com NMLS ID: 1907 / Updated 2026-04-09 Equal Housing Lender

  Access your home’s equity without replacing your current mortgage

  $0

  Access your home’s equity without replacing your current mortgage Put your home’s equity to work on your terms Flexible funds for renovations, debt consolidation, or major expenses Refi.com connects you with home equity lending specialists Learn More

• Renofi NMLS ID: 1802847 / Updated 2026-04-09

  Renovating? Work with experts in renovation financing

  $0

  Renovating? Work with experts in renovation financing Borrow up to 125% on your current home value to finance renovations Loans up to $750k with competitive rates from Credit Unions Borrow more than a typical HELOC Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2026-04-09

  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

• 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

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pentagon Federal Credit Union NMLS ID: 401822

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender Learn More

• Optimum First Inc NMLS ID: 240415

  5.751%

  $1,843 Fees & Points $4,437 Total 0.763 Pts ($2,442) $1,995 Fees

  On-time closing guarantee Direct contact with your loan officer throughout Single point of contact 7 days a week Learn More

• District Lending NMLS ID: 1835285

  5.761%

  $1,843 Fees & Points $4,800 Total 1.000 Pts ($3,200) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Loan Factory NMLS ID: 320841 License#: DBO-131435

  5.910%

  $1,868 Fees & Points $5,600 Total 0.750 Pts ($2,400) $3,200 Fees

  See today’s rates in seconds—no hassle, no pressure. Your home. Your rate. Your fastest path to approval. Tap for live rates—mortgages made simple. Learn More

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

  5.950%

  $1,893 Fees & Points $2,602 Total 0.813 Pts ($2,602) $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

• Farmers Bank of Kansas City NMLS ID: 613839

  5.960%

  $1,893 Fees & Points $2,936 Total 0.669 Pts ($2,141) $795 Fees

  Competitive rates. Surprisingly smooth process. Learn More

• River City Mortgage LLC NMLS ID: 142954 License#: 60DBO-44759

  5.988%

  $1,893 Fees & Points $4,016 Total 0.927 Pts ($2,966) $1,050 Fees

  Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people. Accessible. Authentic. Transparent. We answer and make it make sense. From pre-approval to closing — we’re all in. Learn More

• Future First Lending NMLS ID: 2126430

  6.002%

  $1,893 Fees & Points $4,395 Total 1.000 Pts ($3,200) $1,195 Fees

  Save thousands with our ultra-competitive rates More loan options, better deals, bigger savings Local California mortgage experts on your side Learn More

• Gateway Capital Mortgage NMLS ID: 246585

  6.003%

  $1,893 Fees & Points $4,420 Total 1.000 Pts ($3,200) $1,220 Fees

  Work with the best! Find a top-rated loan officer near you. No SSN Required! Lowest Rate & Fee Combo 24 Hour Approvals! Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  6.065%

  $1,917 Fees & Points $2,595 Total 0.811 Pts ($2,595) $0 Fees

  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 Learn More

• F5 Mortgage LLC NMLS ID: 1938115

  6.092%

  $1,919 Fees & Points $3,296 Total 0.598 Pts ($1,914) $1,382 Fees

  Real Time Rates With No Hidden Fees Wholesale Rates Direct To Consumers Low Rates And Minimal Closing Costs Learn More

• The Mortgage Exchange NMLS ID: 1248883

  6.100%

  $1,919 Fees & Points $3,583 Total 0.750 Pts ($2,400) $1,183 Fees

  Add Text Learn More

• Home Simply NMLS ID: 2473786

  6.114%

  $1,919 Fees & Points $3,953 Total 0.893 Pts ($2,858) $1,095 Fees

  Simple loans for your dream home! Learn More

• West Capital Lending NMLS ID: 1566096

  6.117%

  $1,917 Fees & Points $4,380 Total 0.964 Pts ($3,085) $1,295 Fees

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

• Northpointe Bank NMLS ID: 447490

  6.118%

  $1,917 Fees & Points $4,425 Total 0.947 Pts ($3,030) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

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

  6.119%

  $1,893 Fees & Points $8,493 Total 0.529 Pts ($1,693) $6,800 Fees

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

• Zoom Loans NMLS ID: 1312186

  6.219%

  $1,945 Fees & Points $3,200 Total 1.000 Pts ($3,200) $0 Fees

  Smart Mortgages Built Around You Lightning-Fast Pre-Approvals – No Guesswork Keep More Money in Your Pocket Learn More

• Better.com NMLS ID: 330511

  6.231%

  $1,945 Fees & Points $3,635 Total 0.825 Pts ($2,640) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• PenFed Credit Union NMLS ID: 401822

  6.242%

  $1,945 Fees & Points $3,995 Total 0.625 Pts ($2,000) $1,995 Fees

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

• Sage Home Loan Corporation NMLS ID: 3304

  6.244%

  $1,945 Fees & Points $4,057 Total 0.801 Pts ($2,563) $1,494 Fees

  Your Stress-Free Pathway Learn More

• DECO Mortgage NMLS ID: 2561451

  6.248%

  $1,945 Fees & Points $4,352 Total 0.803 Pts ($2,570) $1,782 Fees

  $0 Lender Fee. Never pay lender fee's with Deco! Same Day Pre-Qualification (As fast as 30 minutes). Single Point of Contact: Paired with your own mortgage professional. Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.328%

  $1,971 Fees & Points $2,634 Total 0.823 Pts ($2,634) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• SoFi NMLS ID: 696891

  6.514%

  $1,997 Fees & Points $4,695 Total 1.000 Pts ($3,200) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 License#: 4130574

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

  Low rates, quick quote & approval 92% of clients discover savings in Real savings, real fast - $1100 avg monthly savings Learn More

• Quicken Loans NMLS ID: 167283

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

  Your home's value could help you save. Turn your equity into opportunity. Calculate your home equity loan options with lenders. Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

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

  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 Learn More

• Veterans United Home Loans NMLS ID: 1907

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

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Rocket Mortgage NMLS ID: 3030

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

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• 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 .