Best HELOC Rates California Home Equity Line of Credit Rates

Best home equity line of credit (HELOC) rates in California

Looking for current Heloc Rates? ERATE.com provides an extensive list of Heloc Rates from banks, credit unions and mortgage lenders in CA.  We list top offers from numerous lenders for you. Over 35 lenders on Calif chart. Rates are updated daily. Additionally you can see the best Heloc rates even quicker each day via our Mortgage Rates iPhone App

(Last Updated: 05/20/2024)
Home Equity Lenders
APR
Rate
Initial Draw
Contact details
7.740% APR 7.740% Rate $0 Min. Initial Draw Amount
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
10.950% Intro APR
10.950% After Intro PeriodIntro Period: 0 months
10.950% Rate $0 Min. Initial Draw Amount
Conditions:
Your rate will never increase above the start rate. California properties only. Max CLTV 75%. 5 year interest only followed by a 20 year repayment period.
  • Up to $250,000 in Home Equity Line of Credit.
  • Your rate will never go above the start rate. It can only go lower.
  • Low monthly payment - Interest only for the first 5 years
  • Get approved online in less than 5 minutes.
Home Equity Lines, Refinance, & Second Mortgages
Conditions:
Home Equity Lines, Refinance, & Second Mortgages Unlock your Home’s Equity for Cash Low Rates: Instant Quote & Credit Approval Over $100 Billion Funded. 21 Years in Business
  • Home Equity Lines, Refinance, & Second Mortgages
  • Unlock your Home’s Equity for Cash
  • Low Rates: Instant Quote & Credit Approval
  • Over $100 Billion Funded. 21 Years in Business
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k 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.
  • Fastest way to turn home equity into cash
  • Flexible terms, redraw up to 100%, borrow $20k-$400k
  • Approval in as little as 5 minutes. Funding in as few as 5 days.
  • Use to consolidate debt or finance your next home project
8.750% APR 8.750% Rate $0 Min. Initial Draw Amount
6.990% Intro APR
9.750% After Intro PeriodIntro Period: 12 months
9.750% Rate $0 Min. Initial Draw Amount
9.240% APR 9.240% Rate $0 Min. Initial Draw Amount
8.650% APR 8.650% Rate $10,000 Min. Initial Draw Amount
9.750% APR 9.750% Rate $0 Min. Initial Draw Amount
9.750% APR 9.750% Rate $0 Min. Initial Draw Amount
6.990% Intro APR
9.400% After Intro PeriodIntro Period: 12 months
9.400% Rate $25,000 Min. Initial Draw Amount
9.750% APR 9.750% Rate $0 Min. Initial Draw Amount
9.250% APR 9.250% Rate $0 Min. Initial Draw Amount
9.650% APR 9.650% Rate $0 Min. Initial Draw Amount
8.750% APR 8.750% Rate $0 Min. Initial Draw Amount
9.000% APR 9.000% Rate $0 Min. Initial Draw Amount
9.000% APR 9.000% Rate $0 Min. Initial Draw Amount
9.250% APR 9.250% Rate $0 Min. Initial Draw Amount
10.000% APR 10.000% Rate $0 Min. Initial Draw Amount
11.750% APR 11.750% Rate $0 Min. Initial Draw Amount
9.250% APR 9.250% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.750% After Intro PeriodIntro Period: 12 months
8.750% Rate $0 Min. Initial Draw Amount
6.990% Intro APR
8.250% After Intro PeriodIntro Period: 6 months
8.250% Rate $0 Min. Initial Draw Amount
6.990% Intro APR
9.250% After Intro PeriodIntro Period: 6 months
9.250% Rate $0 Min. Initial Draw Amount
8.750% APR 8.750% Rate $5,000 Min. Initial Draw Amount
8.750% APR 8.750% Rate $10,000 Min. Initial Draw Amount
7.490% Intro APR
10.000% After Intro PeriodIntro Period: 6 months
10.000% Rate $100,000 Min. Initial Draw Amount
9.340% APR 9.340% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
9.500% After Intro PeriodIntro Period: 12 months
9.500% Rate $0 Min. Initial Draw Amount
11.500% APR 11.500% Rate $0 Min. Initial Draw Amount
10.250% APR 10.250% Rate $0 Min. Initial Draw Amount
6.490% Intro APR
9.750% After Intro PeriodIntro Period: 6 months
9.750% Rate $0 Min. Initial Draw Amount
8.750% APR 8.750% Rate $0 Min. Initial Draw Amount
10.100% APR 10.100% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
9.750% After Intro PeriodIntro Period: 12 months
9.750% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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