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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 2026-03-12 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[3] Access cash when you need it Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2025-09-30

  Intro APR: 6.740 % After Intro:6.740 %

  $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

• 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

• 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

• 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[3] On average, access funds within 35 days[5] Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-03-05 Equal Housing Lender

  Intro APR: 7.250 % After Intro:7.250 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV 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 2026-03-12 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

• Splash Financial NMLS ID: 1630038 / Updated 2026-03-12 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 2026-03-12

  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

• Renofi NMLS ID: 1802847 / Updated 2026-03-12

  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

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-03-12

  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

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-03-12

  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

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-03-12

  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

• Refi.com NMLS ID: 1907 / Updated 2026-03-12 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

• 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

• District Lending NMLS ID: 1835285

  5.853%

  $1,868 Fees & Points $3,600 Total 0.625 Pts ($2,000) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Nation Home Loans NMLS ID: 1513908

  5.950%

  $1,868 Fees & Points $7,152 Total 0.750 Pts ($2,400) $4,752 Fees

  We specialize in Conventional, VA, and FHA financing. Learn More

• Home Simply NMLS ID: 2473786

  5.990%

  $1,893 Fees & Points $4,001 Total 0.908 Pts ($2,906) $1,095 Fees

  Simple loans for your dream home! Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  6.070%

  $1,917 Fees & Points $2,739 Total 0.856 Pts ($2,739) $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

• Northpointe Bank NMLS ID: 447490

  6.108%

  $1,917 Fees & Points $4,061 Total 0.833 Pts ($2,666) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• LoanFlight Lending, LLC NMLS ID: 1522344 License#: 60DBO60154

  6.185%

  $1,945 Fees & Points $2,099 Total 0.656 Pts ($2,099) $0 Fees

  Charges $0 in Lender Fees Get an Online Quote in Seconds 100% Online Process or Speak Directly with a Loan Officer Learn More

• Better.com NMLS ID: 330511

  6.242%

  $1,945 Fees & Points $3,981 Total 0.933 Pts ($2,986) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• West Capital Lending NMLS ID: 1566096

  6.244%

  $1,945 Fees & Points $4,050 Total 0.861 Pts ($2,755) $1,295 Fees

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

• DECO Mortgage NMLS ID: 2561451

  6.250%

  $1,945 Fees & Points $4,451 Total 0.834 Pts ($2,669) $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

• Stone Bridge Mortgage Inc NMLS ID: 1938081

  6.278%

  $1,945 Fees & Points $5,377 Total 1.000 Pts ($3,200) $2,177 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

• Filo Mortgage, L.L.C. NMLS ID: 1928741

  6.313%

  $1,971 Fees & Points $2,131 Total 0.666 Pts ($2,131) $0 Fees

  FIll in Learn More

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

  6.315%

  $1,971 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

• Zoom Loans NMLS ID: 1312186

  6.333%

  $1,971 Fees & Points $2,800 Total 0.875 Pts ($2,800) $0 Fees

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

• New American Funding, LLC. NMLS ID: 6606

  6.462%

  $1,997 Fees & Points $2,925 Total 0.914 Pts ($2,925) $0 Fees

  Direct Lender offering low rates, fast closings, and impeccable service FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage All-inclusive Direct Lender – no broker fees Learn More

• SoFi NMLS ID: 696891

  6.638%

  $2,023 Fees & Points $4,618 Total 0.976 Pts ($3,123) $1,495 Fees

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

• 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

• CrossCountry Mortgage NMLS ID: 3029

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

  "America's #1 Retail Lender (Scottsman Guide)" "Financing 1 and every 36 homes" "Over 20,000 Five Star Reviews On Zillow" 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

• 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 .