California Home Equity Loan - 20 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Twenty Year Loan

(Last Updated: 04/29/2025)
Home Equity Lenders
APR
Rate
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Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Competitive Rates for FICO Scores 580-679
  • 366k+ positive reviews, A rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
Home Equity Loans & Refinance – Cash out
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
  • Home Equity Loans & Refinance – Cash out
  • Customized rate quote with no impact to credit
  • Low Rates, Quick Approvals, Wide Range of Products
  • Over 100 Billion Funded. 22 Years in Business
Get up to $500k with no monthly payments, ever.
Conditions:
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
  • No income requirements or need for perfect credit
  • Your home wealth, to use your way
  • Find out if you qualify in as little as 60 seconds
  • Home Equity Investments are not considered a loan in all states
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
No Lender Fees
Conditions:
HELOC, HELOAN or CASHOUT REFI all available.
  • No Lender Fees
  • Fast
  • Easy
  • Over 20 Years Experience
9.875% APR 9.875% Rate $957 Est. Payment per month
8.375% APR 8.375% Rate $860 Est. Payment per month
8.750% APR 8.750% Rate $884 Est. Payment per month
8.125% APR 8.125% Rate $845 Est. Payment per month
9.750% APR 9.750% Rate $949 Est. Payment per month
7.500% APR 7.500% Rate $806 Est. Payment per month
8.240% APR 8.240% Rate $852 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
8.000% APR 8.000% Rate $837 Est. Payment per month
8.094% APR 8.000% Rate $837 Est. Payment per month
7.750% APR 7.750% Rate $821 Est. Payment per month
8.250% APR 8.250% Rate $853 Est. Payment per month
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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