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Featured Home Equity Rates in California

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• PenFed Credit Union NMLS ID: 401822 / Updated 2026-04-01 Equal Housing Lender

  Loans Amounts from $25,000 - $500,000.

  $0

  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. Home Equity Line of Credit - Equal Housing Lender. 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

• 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

• 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

• Refi.com NMLS ID: 1907 / Updated 2026-04-01 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

• Splash Financial NMLS ID: 1630038 / Updated 2026-04-01 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 2026-04-01

  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 2026-04-01

  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

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-01

  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 2026-04-01

  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

• 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

• Refi.com NMLS ID: 1907

  0.000%

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

  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 Learn More

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

  6.159%

  $1,893 Fees & Points $9,898 Total 0.968 Pts ($3,098) $6,800 Fees

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

• Beeline Loans, Inc. NMLS ID: 1799947

  6.208%

  $1,945 Fees & Points $2,848 Total 0.890 Pts ($2,848) $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

  6.248%

  $1,945 Fees & Points $4,189 Total 0.873 Pts ($2,794) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• West Capital Lending NMLS ID: 1566096

  6.251%

  $1,945 Fees & Points $4,309 Total 0.942 Pts ($3,014) $1,295 Fees

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

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

  6.429%

  $1,997 Fees & Points $1,802 Total 0.563 Pts ($1,802) $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

• SoFi NMLS ID: 696891

  6.625%

  $2,021 Fees & Points $4,522 Total 0.946 Pts ($3,027) $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

• 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

• 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

• 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

• 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 .