California Home Equity Loan - 15 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Fifteen Year Loan

(Last Updated: 07/15/2020)
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Fastest Home Equity Line; Apply in minutes & close in days
Conditions:
Our APRs start at 3.49% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 3.49% and a 4.99% origination fee. Your total loan amount would be $52,495. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. The advertised rate of 3.49% includes a combined discount of 0.75% for opting into a Quorum Membership (0.50%) and enrolling in autopay (0.25%). APRs start at 4.24% for customers that do not opt in to autopay or apply to become a Quorum member. 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.
  • Minimum credit score of 640
  • No in-person appraisal; At-home closing process
  • Use to consolidate debt or finance your next project
  • Rated Excellent on TrustPilot
4.875% APR 4.875% Rate $393 Est. Payment per month
5.375% APR 5.375% Rate $406 Est. Payment per month
6.990% APR 6.990% Rate $450 Est. Payment per month
5.500% APR 5.500% Rate $409 Est. Payment per month
5.500% APR 5.500% Rate $409 Est. Payment per month
9.540% APR 9.540% Rate $524 Est. Payment per month
5.250% APR 5.250% Rate $402 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
9.490% APR 9.490% Rate $522 Est. Payment per month
5.750% APR 5.750% Rate $416 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
5.875% APR 5.875% Rate $419 Est. Payment per month
6.000% APR 6.000% Rate $422 Est. Payment per month
5.905% APR 5.750% Rate $416 Est. Payment per month
6.000% APR 6.000% Rate $422 Est. Payment per month
5.375% APR 5.375% Rate $406 Est. Payment per month
5.000% APR 5.000% Rate $396 Est. Payment per month
5.750% APR 5.750% Rate $416 Est. Payment per month
6.250% APR 6.250% Rate $429 Est. Payment per month
4.750% APR 4.750% Rate $389 Est. Payment per month
5.250% APR 5.250% Rate $402 Est. Payment per month

Informa Research Services, Inc.Home Equity Loans - Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+. Rate 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 loan. 'With closing costs' indicates that customer is required to pay closing costs on the loan. Rates displayed may include discounts. Rates are subject to change without notice.

Disclaimer:
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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