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Sonoma Federal Credit Union : Sonoma Federal Credit Union

1126 Montgomery Dr
Santa Rosa, CA 95405

Phone 707-527-6216

Visit Sonoma Federal Credit Union main page

Your current location is: New York City, NY

Sonoma Federal Credit Union : Sonoma Federal Credit Union — distance 2564.41

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

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

Intro APR: 6.740 %
After Intro:6.740 %

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

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

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

Intro APR: 6.990 %
After Intro:6.990 %

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

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]

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

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

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.

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

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

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.

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

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

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).

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

Home Equity Loans & Refinance – Cash out

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

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

As low as 6.52% APR on your initial draw*

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

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

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

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

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

Home Equity Line of Credit - Equal Housing Lender

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

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.

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

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

Unlock Your Home's Potential

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

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.

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

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

Saxton Mortgage
NMLS ID: 1717191

5.623%

$1,817 Fees & Points $4,457 Total
0.990 Pts ($3,168)
$1,289 Fees

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

District Lending
NMLS ID: 1835285

5.635%

$1,817 Fees & Points $4,800 Total
1.000 Pts ($3,200)
$1,600 Fees

Get an exceptional mortgage rate, be happy.

Nation Home Loans
NMLS ID: 1513908

5.644%

$1,817 Fees & Points $5,219 Total
0.500 Pts ($1,600)
$3,619 Fees

We specialize in Conventional, VA, and FHA financing.

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

Different Mortgage
NMLS ID: 324599
License#: 324599

5.819%

$1,868 Fees & Points $2,400 Total
0.750 Pts ($2,400)
$0 Fees

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

Future First Lending
NMLS ID: 2126430

5.853%

$1,868 Fees & Points $3,695 Total
0.750 Pts ($2,400)
$1,295 Fees

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

HomePlus Mortgage
NMLS ID: 78669

5.871%

$1,868 Fees & Points $4,307 Total
1.000 Pts ($3,200)
$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

Peak Residential Lending Inc
NMLS ID: 2433973

5.872%

$1,868 Fees & Points $4,357 Total
0.750 Pts ($2,400)
$1,957 Fees

Excellent rates, fast closings, 24 years experience.

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!

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.

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

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

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

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

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

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

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

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

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.

Sonoma Federal Credit Union : Sonoma Federal Credit Union

Featured Home Equity Rates in California

Featured 30-Year Fixed Mortgage Rates in California

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