ERATE® provides this page to help consumers locate home equity lenders covering San Jose. Our goal is to provide an extensive network of home equity lenders throughout the San Jose 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 - California Homes
| Home Equity Companies | 
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              A home equity line of credit (HELOC) lets you borrow against available equity with your home as collateral. (from bankofamerica.com) 
                      Almaden Valley Branch 
                      Toll Free: 1-866-290-4674 
                      Alum Rock Banking Center Branch 
                      Toll Free: 1-866-290-4674 
                      Blossom Hill-Winfield 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) 
                      
                      3081 Mckee Road 
                      Toll Free: 1-844-777-2689 
                      
                      908 Blossom Hill Road 
                      Toll Free: 1-844-777-2689 
                      
                      6213 Santa Teresa Boulevard 
                      Toll Free: 1-844-777-2689 View More Branches Located in San Jose Bank Of The West in the News | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Investment opportunities. College education. Home improvements. As a partner in all your financial endeavors, Boston Private offers home equity lines of credit that serve as useful options to manage those opportunities without draining your resources." (from https://www.bostonprivate.com/residential-mortgage/mortgage-programs/home-equity-lines-of-credit) 
                      San Jose Branch  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              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) 
                      San Jose Main 
                      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. 
                      San Jose Branch 
                      Toll Free: 1-800-9CATHAY 
                      San Jose Brokaw 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 
                      Almaden Branch 
                      Toll Free: 1-888-342-4273 
                      Almaden Road & Almaden Exp Bking Ctr Branch 
                      Toll Free: 1-888-342-4273 
                      Almaden Valley Banking Center 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) 
                      2189 Quimby Road Branch 
                      Toll Free: 1-877-362-9100 
                      3490 Stevens Creek Blvd Branch 
                      Toll Free: 1-877-362-9100 
                      Almaden Valley Branch 
                      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) 
                      San Jose Main Branch 
                      Toll Free: (800) 773-7100  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Use your home to your advantage with a home equity line of credit. 
                      Almaden Valley Branch 
                      Toll Free: 855.451.9201 
                      San Jose Airport Regional Branch 
                      Toll Free: 855.451.9201 
                      San Jose Main 
                      Toll Free: 855.451.9201  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
              "Make your home investment work for you. With a home equity line of credit from CommonWealth, you can borrow any amount, at any time, for any purpose, up to the maximum of your credit line." CommonWealth Central Credit Union (NMLS ID #458544) 
                      San Jose - Cambrian Phone Number: (408) 531-3100 
                      Silver Creek Phone Number: (408) 531-3100  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              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) 
                      San Jose Branch 
                      San Jose Story Branch 
                      San Jose Tully Road Branch  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              With a Home Equity Line of Credit from First Republic, you can tap into the equity in your home to fund the projects that are important to you - whenever you need it. (from https://www.firstrepublic.com/personal/residential-lending?gnav=globalheader;personal-residential-lending) 
                      San Jose Branch 
                      Toll Free:  1-888-408-0288  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "What can you get with a First Tech Home Equity Loan? Home repair, house remodel, debt consolidation or college tuition. Whatever your need for extra cash, a home equity loan may be a great choice." 
                      San Jose Phone Number: (408) 863-6604  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Your home could be your best asset when paying for major home improvements or any other large purchase or expense. Golden 1 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. (from https://www.golden1.com/Loans/HomeEquity?sel=0) San Jose Phone Number: (916) 732-2900  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Use the money in your home to make renovations, take a special vacation, pay for your children's tuition, buy a new vehicle or make investments." 
                      Heritage Bank Of Commerce 
                      Toll Free: 1-408-947-6900 
                      Park Center Branch 
                      Toll Free: 1-408-947-6900  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "HELOCs can provide great financial flexibility for homeowners. Contact a HomeStreet Loan Officer if you are interested in how a HELOC could benefit you." 
                      San Jose Commercial Lending Center 
                      Toll Free: 800-809-1377  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Make the most of your home's equity. Home equity is the difference between the current market (appraised) value of your home and the outstanding balance of your mortgage and all other liens on the property.(from https://www.us.hsbc.com/1/2/home/personal-banking/home-equity/details) 
                      San Jose Saratoga Branch 
                      Toll Free: 866.435.7097  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "With a Home Equity Line of Credit from Meriwest you'll have that extra money for home improvements, tuition, a special vacation, to consolidate higher interest debt, or to simply pay off a few bills." 
                      Chesbro Financial Center 
                      Toll Free: 1-800-364-6636 
                      Corporate Office- San Jose Phone Number: 1-408-972-5222 
                      Cottle Financial Center 
                      Toll Free: 1-800-364-6636  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              Not necessarily a Home Equity Loan lender. However per their website they offer "The FHA 203k renovation loan is designed for borrowers who are interested in financing home improvement, and it can be used for both purchase and refinance." Read more at https://www.newamericanfunding.com/loan-types/home-improvement/#EpMrLl2uyQKtY42V.99 
                      San Jose 
                      Toll Free: 800-890-1057  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "OE Federal works to create home loan products with the best rates and service to cover you on your rainy days." 
                      San Jose Branch 
                      Toll Free: 1-800-877-4444  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Looking to use the equity in your home to secure some extra cash?" 
                      San Jose Phone Number: (408) 254-8020  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Put the equity in your home to work with an equity loan or line of credit from Provident." 
                      Branch Office Phone Number: 1-408-436-9480 
                      Branch Office Phone Number: 1-408-532-6348  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              "Make home improvements, take a trip, or fund any big expense without worrying about access fees or high interest rates. Finance your plans easily with a Home Equity Loan or Line of Credit (HELOC)" 
                      Blossom Hill Phone Number: (408) 543-5202 
                      Stevens Creek Phone Number: (408) 543-5202  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
              Home Equity Loans and Lines 
                      
                      2010 N. First Street Phone Number: (800) 553-0880  | 
          
            	
              
							
              
              
	              
                 
	              
              
							
              
              
	              
              
              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/) 
                      Almaden Branch 
                      Toll Free: 800-US-BANKS 
                      Branham Lane Safeway Branch 
                      Toll Free: 800-US-BANKS 
                      E Capitol Expressway 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/) 
                      San Jose Downtown 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) 
                      Alameda Taylor Branch 
                      Toll Free: 1-866-UBLOANS 
                      Camden Park Branch 
                      Toll Free: 1-866-UBLOANS 
                      San Jose - Blossom Hill 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."   
                      
                      1705 North First Street, Suite C Phone Number: 408-573-4250 San Jose Pb Office 
                      Toll Free: 1-888-667-1772 
                      Almaden Expressway & Branham Branch 
                      Toll Free: 1-888-667-1772 View More Branches Located in San Jose Wells Fargo Bank in the News
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              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." 
                      San Jose Main 
                      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.
Current Home Equity Line Rates in CA
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