California Home Equity Loan - 15 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Fifteen Year Loan

(Last Updated: 07/25/2021)
Home Equity Lenders
APR
Rate
Monthly Payment
Contact details
5.190% APR 5.190% Rate $401 Est. Payment per month
Conditions:
Get a home equity line of credit with a fixed rate as low as 2.99% APR for up to 5 years.*
  • Minimum monthly payment will vary based on outstanding balance and APR
  • Payments do not include taxes or insurance.
Fastest HELOC on the planet! Apply in 5 minutes & close in days
Conditions:
For Figure Home Equity Line, APRs can be as low as 2.49% for the most qualified applicants and will be higher for other applicants, depending on credit profile and the state where the property is located. For example, for a borrower with a CLTV of 45% and a credit score of 800 who is eligible for and chooses to pay a 4.99% origination fee in exchange for a reduced APR, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 2.49%. The total loan amount would be $52,495. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay an origination fee in exchange for a lower rate. Payment of origination fees in exchange for a reduced APR is not available in all states. In addition to paying the origination fee in exchange for a reduced rate, the advertised rates include a combined discount of 0.75% for opting into Credit Union Membership (0.50%) and enrolling in autopay (0.25%). APRs for home equity lines of credit do not include costs other than interest. Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
  • Seamless process with fixed rates from 2.49% APR*. HELOC up to $250K
  • 100% digital app & online appraisal
  • Use to consolidate debt or finance your next project
  • Apply in 5 minutes, funding as fast as 5 days.
4.750% APR 4.750% Rate $389 Est. Payment per month
5.750% APR 5.750% Rate $416 Est. Payment per month
6.000% APR 6.000% Rate $422 Est. Payment per month
5.750% APR 5.750% Rate $416 Est. Payment per month
5.500% APR 5.500% Rate $409 Est. Payment per month
4.875% APR 4.875% Rate $393 Est. Payment per month
6.750% APR 6.750% Rate $443 Est. Payment per month
5.750% APR 5.750% Rate $416 Est. Payment per month
4.000% APR 4.000% Rate $370 Est. Payment per month
9.490% APR 9.490% Rate $522 Est. Payment per month
5.990% APR 5.990% Rate $422 Est. Payment per month
5.750% APR 5.750% Rate $416 Est. Payment per month
4.750% APR 4.750% Rate $389 Est. Payment per month
5.750% APR 5.750% Rate $416 Est. Payment per month
5.750% APR 5.750% Rate $416 Est. Payment per month
6.690% APR 6.690% Rate $441 Est. Payment per month
4.750% APR 4.750% Rate $389 Est. Payment per month
5.375% APR 5.375% Rate $406 Est. Payment per month
3.875% APR 3.875% Rate $367 Est. Payment per month
4.750% APR 4.750% Rate $389 Est. Payment per month
6.990% APR 6.990% Rate $450 Est. Payment per month
9.540% APR 9.540% Rate $524 Est. Payment per month

Disclaimer:
Data provided by Brown Bag Marketing, Inc. 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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