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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 2025-10-23 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

• Point Digital Finance NMLS ID: Not a Lender / Updated 2025-10-23

  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

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2025-10-23 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

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-10-23

  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

• Upstart NMLS ID: 2443873 / Updated 2025-10-23

  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

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-10-23

  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

• Spring EQ NMLS ID: 1464945 / Updated 2025-10-23

  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

• District Lending NMLS ID: 598623 / Updated 2025-10-23

  No Lender Fees

  $0

  No Lender Fees Fast Easy Over 20 Years Experience Learn More

• PenFed Credit Union NMLS ID: 401822 / Updated 2025-10-23 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 NMLS ID: 2611 / Updated 2025-10-23

  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

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2025-10-23

  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

• Owning.com NMLS ID: 2611 / Updated 2025-10-23

  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

• 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

• New American Funding, LLC NMLS ID: 6606

  0.000%

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

  Adjustable Mortgage Made Easy – Secure Low Initial Rate Offering Conventional, VA, & FHA Loans. Online Mortgage Application and Live Agents Available Learn More

• Nation Home Loans NMLS ID: 1513908

  5.665%

  $1,817 Fees & Points $6,030 Total 0.750 Pts ($2,400) $3,630 Fees

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

• Saxton Mortgage NMLS ID: 1717191

  5.737%

  $1,843 Fees & Points $4,057 Total 0.865 Pts ($2,768) $1,289 Fees

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

• District Lending NMLS ID: 1835285

  5.749%

  $1,843 Fees & Points $4,358 Total 0.862 Pts ($2,758) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• iheartloan NMLS ID: 2562839

  5.864%

  $1,868 Fees & Points $3,995 Total 0.875 Pts ($2,800) $1,195 Fees

  Where Heart Meets Home Superior Rates, Unmatched Service Learn More

• Statewide Funding NMLS ID: 1105497 License#: 603L227

  5.921%

  $1,893 Fees & Points $1,600 Total 0.500 Pts ($1,600) $0 Fees

  Large product menu to help more homeowners. Apply online anytime 24/7. Learn More

• Different Mortgage NMLS ID: 324599 License#: 324599

  5.921%

  $1,893 Fees & Points $1,600 Total 0.500 Pts ($1,600) $0 Fees

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

• Access Lending Solutions NMLS ID: 245688 License#: 01827612

  5.933%

  $1,893 Fees & Points $2,000 Total 0.625 Pts ($2,000) $0 Fees

  Upgrade and Work Directly with 5-Star Broker | CA and TN Refi Specialist Five-Star Rated with Zillow and Yelp | A+ BBB Rating | 22 Years' Experience Multiple Lending Options to Include Stand-Alone Home Equity Alternatives Learn More

• Home Simply NMLS ID: 2473786

  5.961%

  $1,893 Fees & Points $2,980 Total 0.589 Pts ($1,885) $1,095 Fees

  Simple loans for your dream home! Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  5.966%

  $1,893 Fees & Points $3,152 Total 0.985 Pts ($3,152) $0 Fees

  See how much cash an easy refi can give you. Increase your ROI, renovate or roll in it! Tap into your equity with a Beeline Refi. Apply Online in 15 minutes. Learn More

• HomePlus Mortgage NMLS ID: 78669

  5.971%

  $1,893 Fees & Points $3,421 Total 0.723 Pts ($2,314) $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

• Peak Residential Lending Inc NMLS ID: 2433973

  5.975%

  $1,893 Fees & Points $3,557 Total 0.500 Pts ($1,600) $1,957 Fees

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

• West Capital Lending NMLS ID: 1566096

  5.977%

  $1,893 Fees & Points $3,538 Total 0.701 Pts ($2,243) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• Northpointe Bank NMLS ID: 447490

  5.978%

  $1,893 Fees & Points $3,581 Total 0.683 Pts ($2,186) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. 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

• DECO Mortgage NMLS ID: 2561451

  6.098%

  $1,917 Fees & Points $3,808 Total 0.604 Pts ($1,933) $1,875 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

• PenFed Credit Union NMLS ID: 401822

  6.163%

  $1,919 Fees & Points $5,600 Total 0.750 Pts ($2,400) $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

  6.198%

  $1,945 Fees & Points $2,493 Total 0.779 Pts ($2,493) $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

  6.214%

  $1,945 Fees & Points $3,033 Total 0.729 Pts ($2,333) $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

  6.342%

  $1,971 Fees & Points $3,114 Total 0.973 Pts ($3,114) $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

• 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

• 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

• 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.