California Home Equity Loan - 15 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Fifteen Year Loan

(Last Updated: 09/29/2026)
Home Equity Lenders
APR
Rate
Monthly Payment
 Contact details
6.675% APR 6.675% Rate $881 Est. Payment per month
Conditions:
Home Equity loans are available through Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Line amounts between $15,000 and $700,000, and assigned based on credit score, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies. Fixed rate APRs range from 5.75% - 15.17% and are assigned based on underwriting requirements. Lowest APRs require a fico equal to or greater than 700, CLTV equal to or less than 40%, DTI equal to or less than 15%, opt in to ACH (not required to obtain loan) and loan amounts greater than $35,000 and up to 150,000. Offer APRs assume automatic payment enrollment and DTI less than 15% discounts. Rate discounts are removed if these conditions are not met. All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $10,304, depending on line amount and state law requirements and may include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV maximums range from 75% to 90% and are based on credit score, property type and include the Achieve Loans new loan request. Property insurance is required and flood insurance may be required depending on location. You must pledge your home as collateral. Loan funding time is dependent on full application and documentation submission, average funding time is 11 business days for 2025, including rescission. Monthly/yearly savings varies based on each loan situation and can be more or less than $800/$10,000. Contact Achieve Loans for further details
  • Competitive rates, Pre-qualify in minutes
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  • Flexible terms with fast funding
  • Minimum credit score: 600
Use Home Equity to get cash you need
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 130 Billion Funded. 23 Years in Business
  • Use Home Equity to get cash you need
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  • Real Savings, Real Fast -$1200 average monthly savings
  • Over 130 Billion Funded. 23 Years in Business
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.
Conditions:
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  • 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
Unlock Your Home's Potential
Conditions:
Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home. To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified. Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement. These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
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Access your home’s equity without replacing your current mortgage
Conditions:
Refi.com does not offer Home Equity Line-of-Credit (HELOC) or Home Equity Loans; HELOC and Home Equity Loans are independently underwritten by third-party lending partners and are subject to their terms and conditions. Refinancing may result in higher finance charges over the life of the loan. Not available in all states. Refi.com is a DBA of Mortgage Research Center, LLC. NMLS #1907 (www.nmlsconsumeraccess.org) 1930 W Bennett St., Suite 100, Springfield, MO 65807 Equal Housing Opportunity.
  • Access your home’s equity without replacing your current mortgage
  • $0 origination fees means real savings at closing
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  • Refi.com connects you with home equity lending specialists
8.000% APR 8.000% Rate $956 Est. Payment per month
7.500% APR 7.500% Rate $928 Est. Payment per month
8.240% APR 8.240% Rate $970 Est. Payment per month
7.500% APR 7.500% Rate $928 Est. Payment per month
7.375% APR 7.375% Rate $920 Est. Payment per month
7.875% APR 7.875% Rate $949 Est. Payment per month
7.000% APR 7.000% Rate $899 Est. Payment per month
7.625% APR 7.625% Rate $935 Est. Payment per month
9.000% APR 9.000% Rate $1,015 Est. Payment per month
8.375% APR 8.375% Rate $978 Est. Payment per month
8.200% APR 8.200% Rate $968 Est. Payment per month
7.625% APR 7.625% Rate $935 Est. Payment per month
8.540% APR 8.540% Rate $988 Est. Payment per month
7.500% APR 7.500% Rate $928 Est. Payment per month
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.
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