California Home Equity Loan - 15 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Fifteen Year Loan

(Last Updated: 02/07/2026)
Home Equity Lenders
APR
Rate
Monthly Payment
 Contact details
6.590% APR 6.590% Rate $877 Est. Payment per month
Conditions:
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
6.865% APR 6.865% Rate $892 Est. Payment per month
Conditions:
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). 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 $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity.
  • 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
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
Renovating? Work with experts in renovation financing
Conditions:
Renovation loans available through RenoFi. RenoFi is a broker and does not make credit decisions; loans underwritten and funded by third party lenders. Not available in all states. Not all borrowers or property types qualify. Terms and conditions apply, including acceptable membership requirements stipulated by third-party credit union lenders. Loans above $500K may be subject to additional limitation and underwriting requirements. Closing costs and loan fees apply. Equal Housing Opportunity. NMLS # 1802847 (www.nmlsconsumeraccess.org). In CA: Renovation Technologies Holdings Inc. (NMLS # 2412747), CA Department of Real Estate Broker License # 02195141.
  • 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
Get up to $600k with no monthly payments, ever.
Conditions:
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
  • 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
Home Equity Loans & Refinance – Cash out
Conditions:
• 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
  • 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
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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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
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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