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Personal Borrow Money Home Loans

Leveraging My Home Equity

Using the equity in your home can be a great way to finish projects or consolidate debt. There are two ways you can leverage the equity in your home:

Home Equity Line of Credit (HELOC)

A HELOC is a line of credit that is secured by the equity in your home. You only make payments based on the amount you draw. As you pay the balance down, you have access to borrow against it again.

This option is ideal to manage ongoing expenses, such as:

  • Remodels or home improvements
  • Medical bills
  • Life events, such as a wedding or vacation

HELOCs feature:

  • Closing costs waived1
  • Low variable rates
  • No annual fee1

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Home Equity Loan

A Home Equity Loan is a lump sum of funds that can be used one time. Like a car loan, you finance a set amount of money and pay it off monthly. Once the loan is paid off, it is closed.

This option is ideal if you’re managing a single large expense, such as:

  • Major purchases
  • Debt consolidation
  • Home improvements

Home Equity Loans feature:

  • Closing costs waived1
  • Low fixed rates
  • Terms up to 20 years1
  • Borrow up to $150,0001

For more information call our Home Loan Hotline at at (916) 971-2599
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1View Rates and Disclosures

Today's HELOC Rates


as low as*

Maximum LTV

Maximum APR

Primary Residence
Second Home

*APR effective

View Rates & Disclosures

For current Prime Rate information, please refer to the Wall Street Journal. Thereafter, the index and floor will be the Prime Rate as published in the Wall Street Journal, Western Edition on the last business day of each calendar quarter.

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