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: 01/30/2023)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Home Improvement, Buy a Vacation Home
  • 243k+ positive reviews, A+ rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
6.990% Intro APR
8.250% After Intro PeriodIntro Period: 12 months		 8.250% Rate $25,000 Min. Initial Draw Amount
Conditions:
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.
  • Rates as low as 5.74%.
  • Prime Rate as of 9/23/2022=6.25% (Wall Street Journal).
  • No application or closing costs
  • Flexible credit - only pay for what you use
Home Equity Loan - 15 Year Fixed Rate
Conditions:
24 Years’ Experience Winner BBB Torch Award for Ethics Licensed in all 50 states NMLS #2890 View Rates and Apply Online: 24/7 Speak to a Loan Officer: Mon-Fri 7:30-5:00 PT
  • Home Equity Loan - 15 Year Fixed Rate
  • No Appraisal Required
  • Close in 10 Days
  • View Rates and Apply Online 24/7
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 $15k-$400k
  • Approval in 5 minutes. Funding in as few as 5 days
  • Use to consolidate debt or finance your next home project
6.990% APR 6.990% 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
7.000% APR 7.000% Rate $0 Min. Initial Draw Amount
2.990% Intro APR
8.750% After Intro PeriodIntro Period: 12 months		 8.750% Rate $0 Min. Initial Draw Amount
5.490% APR 5.490% Rate $0 Min. Initial Draw Amount
7.650% APR 7.650% Rate $0 Min. Initial Draw Amount
9.750% APR 9.750% Rate $0 Min. Initial Draw Amount
7.740% APR 7.740% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.650% After Intro PeriodIntro Period: 12 months		 8.650% Rate $25,000 Min. Initial Draw Amount
9.000% APR 9.000% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
9.550% APR 9.550% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
3.990% APR 3.990% Rate $50,000 Min. Initial Draw Amount
8.250% APR 8.250% Rate $0 Min. Initial Draw Amount
9.000% APR 9.000% Rate $0 Min. Initial Draw Amount
10.500% APR 10.500% Rate $0 Min. Initial Draw Amount
4.500% Intro APR
4.000% After Intro PeriodIntro Period: 6 months		 4.000% Rate $25,000 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
4.990% Intro APR
7.750% After Intro PeriodIntro Period: 12 months		 7.750% Rate $0 Min. Initial Draw Amount
7.500% Intro APR
7.250% After Intro PeriodIntro Period: 60 months		 7.250% Rate $25,000 Min. Initial Draw Amount
8.250% APR 8.250% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $5,000 Min. Initial Draw Amount
8.490% APR 8.490% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $10,000 Min. Initial Draw Amount
6.740% Intro APR
9.580% After Intro PeriodIntro Period: 6 months		 9.580% Rate $50,000 Min. Initial Draw Amount
9.740% APR 9.740% Rate $0 Min. Initial Draw Amount
6.500% APR 6.500% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
10.500% APR 10.500% Rate $0 Min. Initial Draw Amount
8.750% APR 8.750% Rate $0 Min. Initial Draw Amount
5.740% Intro APR
9.500% After Intro PeriodIntro Period: 6 months		 9.500% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
8.925% APR 8.925% Rate $0 Min. Initial Draw Amount
9.500% APR 9.500% Rate $0 Min. Initial Draw Amount
4.965% APR 4.965% Rate $50,000 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
3.990% Intro APR
8.750% After Intro PeriodIntro Period: 12 months		 8.750% Rate $0 Min. Initial Draw Amount

Disclaimer:
Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

Home Equity Line of Credit - Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line amounts of $50,000 or $50,000+. Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing. Conditions 'No closing costs' indicates that customer is not required to pay closing costs on the line of credit. 'With closing costs' indicates that customer is required to pay closing costs on the line of credit. Rates displayed may include discounts. Rates are subject to change without notice.

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Use the articles at bottom of page to find your best solution on equity financing

If on a desktop you can click the Rate column to sort for the best rates. On far left you can switch to a Home Equity Loan for a fixed rate.

HELOC Advantages:

Flexibility: A HELOC allows the borrower to access funds as needed and make payments based on the outstanding balance. This can be helpful for those who need access to cash for unexpected expenses or who want to make home improvements over time.


 Lower initial costs: In many cases, a HELOC has lower upfront costs than a Home Equity Loan, including lower closing costs and no origination fees.

 Lower interest rates: The interest rate on a HELOC is often variable, which can result in a lower monthly payment compared to a fixed-rate Home Equity Loan.

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