California Home Equity Loan - 20 YearsCA Current Home Equity Rates

Current home equity loan rates in California - Twenty Year Loan

(Last Updated: 06/30/2026)
Home Equity Lenders
APR
Rate
Monthly Payment
 Contact details
7.625% APR 7.625% Rate $814 Est. Payment per month
Conditions:
This is not a pre-approval or an offer of credit. This is an invitation to apply and to qualify for a loan you must meet our credit and other requirements. Applicants are required to complete an application, provide income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. FBKC’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. Offer APRs assume automatic payment enrollment which provides a .50% discount (autopay enrollment is not a condition of loan approval). Origination fee is discounted to $397.50 with autopay enrollment. The HELOC interest rate floor is 5% and ceiling is 18%. Our minimum line amount is $25,000 and maximum line amount is $350,000. The minimum draw amount is $25,000 or half of the maximum line amount, whichever is greater. HELOCs require you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, are subject to change without notice. Repayment begins 30 calendar days after funding. FBKC also offers fixed rate Home Equity Loans (HELOAN). Rates vary depending on credit, CLTV, property type, occupancy and loan terms.
  • Customized Rate Quote
  • 24/7 Online Borrower Portal
  • Streamlined Online Application
  • Up to 100% LTV
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
  • Put your home’s equity to work on your terms
  • Flexible funds for renovations, debt consolidation, or major expenses
  • Refi.com connects you with home equity lending specialists
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
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k 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. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  • Fastest way to turn home equity into cash
  • Flexible terms, redraw up to 100%, borrow $15k-$750k
  • Approval in as little as 5 minutes. Funding in as few as 5 days.
  • Use to consolidate debt or finance your next home project
Get up to $600k 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.
  • Use your funds your way
  • No income verification - ideal for self-employment or retirement planning
  • Enjoy maximum flexibility - 30 year term, no prepayment penalties
  • Home Equity Investments are not considered a loan in all states
The leader for homeowners tapping cash from their homes since 2016.
Conditions:
About Spring EQ’s Rates and Terms Spring EQ LLC NMLS ID #1464945 (nmlsconsumeracces.org). No prepayment penalty. No need to refinance your first mortgage. Closed-end fixed rate loans and fixed and adjustable rate HELOC options are available. Spring EQ is an Equal Housing Lender. These results are for informational purposes only. This offer is an invitation to apply for an offer for credit or a loan and should not be construed as an indication of eligibility or a binding underwriting decision. Rates are subject to change based on market conditions and the entries of your specific application. All loans are subject to $995 origination fee and annual fee of $99 (except in certain states, where fees may be lower or not applicable), plus third-party fees. Monthly payment shown reflects monthly principal and interest amortized over the term of the loan based on the initial draw amount. Spring EQ applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Any pre-qualification or result is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers are required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile and property value, $25,000 initial draw requirement OR 75% of the line amount (whichever is greater), a FICO score of 640 or greater, and a debt-to-income ratio of less than 50%. Actual rate and APR for qualified borrowers will be determined by a combination of factors, including their creditworthiness as determined by a single credit bureau pull, loan amount requested, property value, and more. In addition to these, other factors specific to applicants' profile and Spring EQ's Underwriting Guidelines may impact rate and eligibility. Offers subject to origination fees based on loan type and property state.
  • Access up to 90% of your home's equity, up to a maximum of $500,000.
  • FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
  • A fixed rate for life- no need to worry about fluctuating rates.
  • We make it easy - and fast - to access your cash (as little as 11 days).
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
Unlock Your Home's Potential
Conditions:
Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home. To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified. Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement. These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
  • Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
  • Unlock Your Home's Value: Discover the Power of our Online HELOC!
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  • Secure Your Future: Experience the Ease of our Fixed Home Equity Loans
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.
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