ERATE® provides this page to help consumers locate home equity lenders covering Sacramento. Our goal is to provide an extensive network of home equity lenders throughout the Sacramento area. We are not responsible for the performance of these lenders. Whenever selecting financing be sure to do your own due diligence.
Best Heloc Rates for California Homes
| Home Equity Companies | 
|---|
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              A home equity line of credit (HELOC) lets you borrow against available equity with your home as collateral. (from bankofamerica.com) 
                      Arden-Eastern Branch 
                      Toll Free: 1-866-290-4674 
                      Arden-Morse Branch 
                      Toll Free: 1-866-290-4674 
                      Calvine Pointe Branch 
                      Toll Free: 1-866-290-4674  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "A Home Equity Line of Credit (HELOC) is a line of credit where the borrower uses the equity in their home as collateral. Borrowers can access their funds by writing checks, making transfers at the branch, by phone, or through online banking. " (from https://www.bankofthewest.com/personal-banking/loans/home-equity.html) 
                      
                      3509 El Camino Avenue 
                      Toll Free: 1-844-777-2689 
                      
                      500 Capital Mall, Suite 100 
                      Toll Free: 1-844-777-2689 
                      
                      2581 Fair Oaks Boulevard 
                      Toll Free: 1-844-777-2689 View More Branches Located in Sacramento Bank Of The West in the News | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "With a home equity line of credit (HELOC), you use the equity in your home to finance all sorts of ideas, like landscaping your lawn or putting a pizza oven on your patio." (from https://www.bannerbank.com/personal/loans/home-equity) 
                      Bank Of Sacramento Branch 
                      Toll Free: 1-800-272-9933 
                      Capital Bbc Branch 
                      Toll Free: 1-800-272-9933  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Utilize your homes equity to finance home improvements, major purchases, or unexpected expenses. With a Home Equity Line of Credit (HELOC), you can easily access available credit when you need it. Enjoy low monthly payments and competitive HELOC rates when you apply online. (from https://www.bbvacompass.com/loans.html) 
                      Elk Grove Branch 
                      Toll Free: 1-888-8-LENDING 
                      Sacramento Branch 
                      Toll Free: 1-888-8-LENDING  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              When you decide to put the equity in your home to work, California Bank & Trust can help. Our Home Equity Lines of Credit offer flexible loan amounts and repayment terms, which can make this a smart time to take advantage of a promising opportunity, tackle a new project, or simply consolidate debt. (from calbanktrust.com) 
                      Arden Way Branch 
                      Toll Free: (800) 429-7685 
                      Capitol Mall Branch 
                      Toll Free: (800) 429-7685 
                      South Land Park Branch 
                      Toll Free: (800) 429-7685  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Home Equity Financing. If you need funds to cover unexpected expenses or to consolidate personal obligations, our equity financing will make your borrowing fast and easy. 
                      Sacramento Branch 
                      Toll Free: 1-800-9CATHAY Cathay Bank in the News | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Access cash from the equity in your home. Current Home Equity Line of Credit variable rates https://www.chase.com/personal/mortgage/home-equity 
                      Arden Way Branch 
                      Toll Free: 1-888-342-4273 
                      Broadway And Stockton Branch 
                      Toll Free: 1-888-342-4273 
                      Cosumnes River Branch 
                      Toll Free: 1-888-342-4273  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              A Home Equity Line of Credit (HELOC) is a form of revolving credit in which your home serves as the collateral. It is comprised of a draw period when you can access the funds and a repayment period during which you can no longer draw funds. (from https://online.citi.com/US/JRS/portal/template.do?ID=mortgage_heloc&JFP_TOKEN=63XGQA7S) 
                      5618 Freeport Blvd Branch 
                      Toll Free: 1-877-362-9100 
                      Arden Way Branch 
                      Toll Free: 1-877-362-9100 Sacramento-Fort Sutter - Cf 
                      Toll Free: 1-877-362-9100  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Improve your lifestyle with a City National Total Line of Credit (TLC). A TLC is a smart financial planning and purchasing tool for select clients who may wish to use home equity for... (from https://www.cnb.com/individual/borrow-money.asp) 
                      Sacramento Loan Prod Branch 
                      Toll Free: (800) 773-7100  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Use funds to finance a big purchase, consolidate debt, or fund home improvements. You can withdraw money as you need it and make additional payments in addition to your interest only payment if you choose to. (From https://www.eastwestbank.com/Views/Pages/personal/loans/home-equity.cshtml) 
                      Freeport Branch  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Are you looking to renovate your home? Consolidate debts? Whatever the reason, a Home Equity Line of Credit from El Dorado Savings may be the loan for you." 
                      48th & J Street Branch 
                      Toll Free: 1-800-874-9779 
                      55th & Folsom Blvd Branch 
                      Toll Free: 1-800-874-9779  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Use the equity in your home to remodel, pay for college, or cover other major expenses." 
                      Capitol Branch 
                      Toll Free: 1-800-888-1498 
                      South Sacramento Branch 
                      Toll Free: 1-800-888-1498 
                      Southgate Branch 
                      Toll Free: 1-800-888-1498  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Home Equity Loans & Lines of Credit. Whether it is for home repairs or your childs education, weve got solutions to help. (from firstcitizens.com) 
                      Sacramento Branch 
                      Toll Free: 1.888.323.4732  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "HELOCs have variable rates and can be used to draw down cash as needed rather than all upfront like a Home Equity Loan." 
                      Sacramento Branch 
                      Toll Free: 1-888-830-4199  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Get the money you need to pay for major home improvements, college tuition, and more." 
                      Asset Management & Trust Office Branch 
                      Toll Free: 1-877-362-6000 
                      Sacramento Branch 
                      Toll Free: 1-877-362-6000  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
              "Your home could be your best asset when paying for major home improvements or any other large purchase or expense. Golden 1’s Home Equity Loan and Home Equity Line of Credit are secured by your home so you can get a better interest rate than a traditional installment or consumer loan." 
 
 
                      
                      8945 CAL Center Drive Phone Number: 916-732-2856  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "OE Federal works to create home loan products with the best rates and service to cover you on your rainy days." 
                      Sacramento 50 Branch 
                      Toll Free: 1-800-877-4444 
                      Sacramento 80 Branch 
                      Toll Free: 1-800-877-4444  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Looking to use the equity in your home to secure some extra cash?" 
                      Sacramento-howe Phone Number: (916) 569-5280  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "For unexpected expenses or a planned home remodel, River City Bank's comprehensive suite of loan products can help secure the money you need — when you need it." 
                      Downtown Branch Phone Number: 1-916-567-2600 
                      Howe Avenue Branch Phone Number: 1-916-567-2600 
                      River City Bank Phone Number: 1-916-567-2600  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
              "When you're ready to use your equity to tackle a large, one-time project or expense, you want a home equity loan rate that keeps more money in your pocket." 
                      
                      800 H Street Phone Number: (916) 444-6070  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
              "We offer competitive interest rates and flexible terms, so your payments stay within your budget. Sit down with our loan experts. They will listen and work with you to make sure you get what you need to make your home even homier." 
                      
                       1015 Seventh Street Sacramento Sacramento CA  Phone Number: (916) 442-3883  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Tri Counties Bank is the local lender you can believe in and feel connected to. You can reach a local Banker at 1-800-982-2660. All loans are subject to credit approval. Home Equity Lines of Credit. Use the equity in your primary residence or second home with a variable rate line of credit. (From https://www.tcbk.com/personal/loans/home-equity-line-of-credit) North Natomas 
                      Toll Free: 1-800-982-2660 
                      Sacramento Downtown Branch 
                      Toll Free: 1-800-982-2660  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Home Equity Line of Credit. HELOCs let you access funds as you need them, similar to credit cards — but with rates that are typically lower. (from https://www.usbank.com/home-loans/home-equity/) 
                      19th & South Safeway Branch 
                      Toll Free: 800-US-BANKS 
                      Alhambra And J Branch 
                      Toll Free: 800-US-BANKS 
                      Arden Way Safeway Branch 
                      Toll Free: 800-US-BANKS  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Use the equity in your home to finance a remodel, vacation, college costs or other big purchase with lines of credit from $5,000 to $500,000 and flexible payment options. (from https://www.umpquabank.com/personal-banking/loans-and-lines/home-equity-line-of-credit/) 
                      Natomas Branch Phone Number: 1-866-486-7782 
                      One Capitol Mall Branch Phone Number: 1-866-486-7782 
                      Sacramento Branch Phone Number: 1-866-486-7782  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Change is a fact of life. So its good to know you can manage it. Whether you're making home improvements, paying down high interest debt, financing large purchases such as a car or tuition expenses, or even going green, you can utilize your home's equity to get the funds you need. (from unionbank.com/personal-banking/loans-lines-credit/home-equity/index.jsp) 
                      Country Club Branch 
                      Toll Free: 1-866-UBLOANS 
                      Sacramento Downtown Branch 
                      Toll Free: 1-866-UBLOANS  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Our home equity line of credit is designed to help you use the equity in your home responsibly. If you're considering a home renovation or planning for a major expense, we can help. (From https://www.wellsfargo.com/mortgage/loan-programs/home-equity-line-of-credit/) 
                      30th & Capitol Branch 
                      Toll Free: 1-888-667-1772 
                      Arden Fair Mall Branch 
                      Toll Free: 1-888-667-1772 
                      Ca Sacramento County 2 Branch 
                      Toll Free: 1-888-667-1772 View More Branches Located in Sacramento Wells Fargo Bank in the News
  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Home Equity Personal Credit Lines. Higher amounts available anytime you need them, easy access to funds by credit line check, telephone, or in your branch. Secured by the equity in your home, so you may gain tax advantages, too. As usual, always consult with your tax advisor. (from https://www.westamerica.com/index.php/personal/loans-and-lines-of-credit20) Capitol Mall Branch 
                      Toll Free: 1-800-514-1460 Point West Branch 
                      Toll Free: 1-800-514-1460  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Home Equity Credit Line "Because your home equity line of credit is secured by your home, the interest rate is usually lower than with other types of loans." 
                      Arden Way Branch 
                      Toll Free: 1-800-974-8800 
                      Capitol Mall Branch 
                      Toll Free: 1-800-974-8800 
                      South Land Park Branch 
                      Toll Free: 1-800-974-8800  | 
          
Home equity loans come in two forms. One time lump sum loan amount or as a home equity line of credit (HELOC) where you can draw cash as you need it. Loan officers located in Sacramento
Current Home Equity Line Rates
Logos appearing on this page were obtained from their respective websites by ERATE for the purposes of product comparison or editorial purposes. ERATE is not directly affiliated with or endorsed by the lenders or financial institutions listed here. If you are the owner of the logo and wish for us to remove or change the logo, please contact us.

Home Equity Line - Documentation
Home Equity Line vs Second Mortgage
Which Secondary Financing is best for me?
Home Equity Loans: Paychecks from your Home
Home Equity Loan Shopping: Tips and Types
Home Equity Line New Appraisal
Home Equity No Income Qualifier
Home Equity Typical Loan Terms
Home Equity Loan vs Refinance First Mtg
Second Mortgage, HELOC for Invest Prop
Use Your Home to Get Away: Home Equity Loans with Frequent Flyer Programs
Lower your monthly payments Debt Consolidation Calculator