The Bank Of New York Mellon Trust Company, National Association : The Bank Of New York Mellon Trust Company, National Association
400 South Hope Street
Los Angeles , CA 90071
Featured Home Equity Rates in California
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
Intro APR : 7.250 %
After Intro: 7.250 %
$15,000
Flexible terms, borrow $15K-$400K, 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
Home Equity Loans & Refinance – Cash out
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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
Intro APR : 10.950 %
After Intro: 10.950 %
$0
Up to $250,000 in Home Equity Line of Credit.
Your rate will never go above the start rate. It can only go lower.
Low monthly payment - Interest only for the first 5 years
Get approved online in less than 5 minutes.
Cash-Out and Home Equity Options Available.
$0
Home Improvement, Buy a Vacation Home
303k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available
Ready to access funds?
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Ready to access funds?
Homeowners’ best kept secret for cash.
Access equity on YOUR terms.
It costs $0 to see how much you could get with a lender
Home Equity Line of Credit - Equal Housing Lender
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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
NMLS ID: 1464945 /
Updated 2025-03-14
The leader for homeowners tapping cash from their homes since 2016.
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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).
Get up to $500k with no monthly payments, ever.
$0
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
Unlock Your Home's Potential
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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
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
6.617%
$2,023
Fees & Points
$4,087 Total
0.667 Pts
($2,134)
Your Guide: Experienced loan officer ensures your smooth homebuying journey!
You will receive the lowest rate and closing costs that you are eligible to.
Clear&Flexible: Simple terms/options to fit your needs - mortgage made easy!
Fees & Points
Total
Pts
($0)
Down Payment and First-Time Homebuyer Programs
Offering Conventional, VA, & FHA Loans.
Online Mortgage Application and Live Agents Available
Fees & Points
Total
Pts
($0)
Top 3 Lender: Trusted and established.
19K+ 5-star reviews: Proven customer satisfaction.
Wide mortgage selection: Tailored solutions.
Fees & Points
Total
Pts
($0)
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
Fees & Points
Total
Pts
($0)
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
Fees & Points
Total
Pts
($0)
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
Fees & Points
Total
Pts
($0)
We Approve Credit Scores Down to 500
Self Employed Bank Statement Loans
Investor Loans - DSCR - Cash Out
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.
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