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Featured Home Equity Rates in California

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Upstart NMLS ID: 2443873 / Updated 2025-07-23

  Intro APR: 6.520 % After Intro:6.520 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2025-09-30

  Intro APR: 6.740 % After Intro:6.740 %

  $0

  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 Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Third Federal Savings and Loan NMLS ID: 449401 / Updated 2025-10-28 Equal Housing Lender

  Intro APR: 6.990 % After Intro:6.990 %

  $0

  Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-10-22

  Intro APR: 5.990 % After Intro:7.500 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2025-10-28

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-10-28

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Upstart NMLS ID: 2443873 / Updated 2025-10-28

  As low as 6.52% APR on your initial draw*

  $0

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw ** No paperwork needed to apply Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2025-10-28

  Get up to $600k with no monthly payments, ever.

  $0

  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 Learn More

• Owning.com NMLS ID: 2611 / Updated 2025-10-28

  Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

  $0

  Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-10-28

  Home Equity Loans & Refinance – Cash out

  $0

  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 Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2025-10-28

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  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). Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2025-10-28 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  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 Learn More

• Rate NMLS ID: 2611 / Updated 2025-10-28

  Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

  $0

  Nation's #2 retail mortgage lender in 2024. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. No in-person appraisal needed. Learn More

• PenFed Credit Union NMLS ID: 401822 / Updated 2025-10-28 Equal Housing Lender

  Home Equity Line of Credit - Equal Housing Lender

  $0

  Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans Learn More

• 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, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates in California

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pentagon Federal Credit Union NMLS ID: 401822

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender Learn More

• Nation Home Loans NMLS ID: 1513908

  5.655%

  $1,817 Fees & Points $5,619 Total 0.625 Pts ($2,000) $3,619 Fees

  We specialize in Conventional, VA, and FHA financing. Learn More

• Direct Home Lending NMLS ID: 274058

  5.690%

  $1,843 Fees & Points $2,297 Total 0.532 Pts ($1,702) $595 Fees

  A Better Type of Home Lending Learn More

• Saxton Mortgage NMLS ID: 1717191

  5.726%

  $1,843 Fees & Points $3,657 Total 0.740 Pts ($2,368) $1,289 Fees

  Proud to help you find the home loan of your future. Learn More

• District Lending NMLS ID: 1835285

  5.737%

  $1,843 Fees & Points $3,942 Total 0.732 Pts ($2,342) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Different Mortgage NMLS ID: 324599 License#: 324599

  5.830%

  $1,868 Fees & Points $2,800 Total 0.875 Pts ($2,800) $0 Fees

  25 Years Experience. Exceptional Rates. Close Fast. Streamlined Process. Learn More

• Future First Lending NMLS ID: 2126430

  5.864%

  $1,868 Fees & Points $4,095 Total 0.875 Pts ($2,800) $1,295 Fees

  Save thousands with our ultra-competitive rates More loan options, better deals, bigger savings Local California mortgage experts on your side Learn More

• Peak Residential Lending Inc NMLS ID: 2433973

  5.883%

  $1,868 Fees & Points $4,757 Total 0.875 Pts ($2,800) $1,957 Fees

  Excellent rates, fast closings, 24 years experience. Learn More

• Home Simply NMLS ID: 2473786

  5.954%

  $1,893 Fees & Points $2,733 Total 0.512 Pts ($1,638) $1,095 Fees

  Simple loans for your dream home! Learn More

• DECO Mortgage NMLS ID: 2561451

  5.958%

  $1,893 Fees & Points $2,890 Total 0.903 Pts ($2,890) $0 Fees

  $0 Lender Fee. Never pay lender fee's with Deco! Same Day Pre-Qualification (As fast as 30 minutes). Single Point of Contact: Paired with your own mortgage professional. Learn More

• HomePlus Mortgage NMLS ID: 78669

  5.958%

  $1,893 Fees & Points $2,979 Total 0.585 Pts ($1,872) $1,107 Fees

  26 years in business - over 5000 5-star reviews online Fast approvals and loan closing - 30 days or less No application or rate lock fee Learn More

• Refi.com NMLS ID: 1907 License#: California

  6.042%

  $1,917 Fees & Points $1,802 Total 0.563 Pts ($1,802) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• PenFed Credit Union NMLS ID: 401822

  6.139%

  $1,919 Fees & Points $4,800 Total 0.500 Pts ($1,600) $3,200 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Vega Financing NMLS ID: 2493744

  6.182%

  $1,945 Fees & Points $1,930 Total 0.603 Pts ($1,930) $0 Fees

  Own with as little as 1% down—no hidden fees, no call centers. First-time buyers welcome—620+ credit? Prequalify today. Local California experts—down payment assistance programs, CAL FHA, Hoper Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.204%

  $1,945 Fees & Points $2,684 Total 0.620 Pts ($1,984) $700 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• New American Funding, LLC. NMLS ID: 6606

  6.344%

  $1,971 Fees & Points $3,200 Total 1.000 Pts ($3,200) $0 Fees

  Direct Lender offering low rates, fast closings, and impeccable service FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage All-inclusive Direct Lender – no broker fees Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  Fees & Points Total Pts ($0) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify Learn More

• 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, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.