California Home Equity Loan - 20 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Twenty Year Loan

(Last Updated: 10/24/2026)
Home Equity Lenders
APR
Rate
Monthly Payment
 Contact details
7.575% APR 7.575% Rate $811 Est. Payment per month
Conditions:
Home Equity loans are available through Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Line amounts between $15,000 and $700,000, and assigned based on credit score, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies. Fixed rate APRs range from 6.10% - 15.17% and are assigned based on underwriting requirements. Lowest APRs require a fico equal to or greater than 700, CLTV equal to or less than 40%, DTI equal to or less than 15%, opt in to ACH (not required to obtain loan) and loan amounts greater than $35,000 and up to 150,000. Offer APRs assume automatic payment enrollment and DTI less than 15% discounts. Rate discounts are removed if these conditions are not met. 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 $10,304, depending on line amount and state law requirements and may include origination (up to 4.0% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV maximums range from 75% to 90% and are based on credit score, property type and include the Achieve Loans new loan request. Property insurance is required and flood insurance may be required depending on location. You must pledge your home as collateral. Loan funding time is dependent on full application and documentation submission, average funding time is 11 business days for 2025, including rescission. Monthly/yearly savings varies based on each loan situation and can be more or less than $800/$10,000. Contact Achieve Loans for further details
  • 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
Use Home Equity to get cash you need
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 130 Billion Funded. 23 Years in Business
  • Use Home Equity to get cash you need
  • 98% of clients discover savings in minutes
  • Real Savings, Real Fast -$1200 average monthly savings
  • Over 130 Billion Funded. 23 Years in Business
Access your home’s equity without replacing your current mortgage
Conditions:
Refi.com does not offer Home Equity Line-of-Credit (HELOC) or Home Equity Loans; HELOC and Home Equity Loans are independently underwritten by third-party lending partners and are subject to their terms and conditions. Refinancing may result in higher finance charges over the life of the loan. Not available in all states. Refi.com is a DBA of Mortgage Research Center, LLC. NMLS #1907 (www.nmlsconsumeraccess.org) 1930 W Bennett St., Suite 100, Springfield, MO 65807 Equal Housing Opportunity.
  • Access your home’s equity without replacing your current mortgage
  • $0 origination fees means real savings at closing
  • Flexible funds for renovations, debt consolidation, or major expenses
  • Refi.com connects you with home equity lending specialists
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • 430k+ positive reviews, A rating from the BBB
  • Competitive Rates for FICO Scores 580 - 720
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
8.375% APR 8.375% Rate $860 Est. Payment per month
8.375% APR 8.375% Rate $860 Est. Payment per month
8.375% APR 8.375% Rate $860 Est. Payment per month
8.125% APR 8.125% Rate $845 Est. Payment per month
9.500% APR 9.500% Rate $933 Est. Payment per month
7.250% APR 7.250% Rate $791 Est. Payment per month
7.875% APR 7.875% Rate $829 Est. Payment per month
9.250% APR 9.250% Rate $916 Est. Payment per month
8.600% APR 8.600% Rate $875 Est. Payment per month
7.875% APR 7.875% Rate $829 Est. Payment per month
8.094% APR 8.000% Rate $837 Est. Payment per month
8.000% APR 8.000% Rate $837 Est. Payment per month
8.250% APR 8.250% Rate $853 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.
Couple planning