Rates as low as 7.174%

20 Yr Fixed Heloc. $200,000 line. 7.258% APR

Up to $500,000

funded in 21 days average
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No origination fees

Low closing cost fees

Primary, Second Home

Investment's are eligible.
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Up to 90%

Of your home's equity. Faster, easier closing

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Home Equity Line of Credit

Updated 10/6/2024

$75,000

Fixed Rate Line of Credit
$ 601 Monthly
  • 7.424% Rate
  • $0.00 Points
  • 7.651% Apr
  • $1,681.47 Cost

$150,000

Fixed Rate Line of Credit
$ 1201 Monthly
  • 7.424% Rate
  • $0.00 Points
  • 7.537% Apr
  • $1,681.47 Cost

$200,000

Fixed Rate Line of Credit
$ 1572 Monthly
  • 7.174% Rate
  • $0.00 Points
  • 7.258% Apr
  • $1,681.47 Cost

$300,000

Fixed Rate Line of Credit
$ 2426 Monthly
  • 7.549% Rate
  • $0.00 Points
  • 7.606% Apr
  • $1,681.47 Cost

$400,000

Fixed Rate Line of Credit
$ 3522 Monthly
  • 8.700% Rate
  • $0.00 Points
  • 8.745% Apr
  • $1,681.47 Cost

$500,000

Fixed Rate Line of Credit
$ 4933 Monthly
  • 10.325% Rate
  • $0.00 Points
  • 10.364% Apr
  • $2,096.47 Cost

Getting a personlized quote will NOT affect your credit score.
†By providing your number, you consent to automated or manual marketing messages & to our Terms of Service & Privacy Policy. Consent to marketing messages is not required to make any purchase. Text ‘stop’ to (714) 352-0808 to opt out after starting your application. You may revoke your consent to receive such calls, or texts, for marketing purposes at any time. 

Home Equity Loan

Updated 10/6/2024

$75,000

Fixed Rate
$ 601 Monthly
  • 7.424% Rate
  • $0.00 Points
  • 7.651% Apr
  • $1,681.47 Cost

$150,000

Fixed Rate
$ 1201 Monthly
  • 7.424% Rate
  • $0.00 Points
  • 7.537% Apr
  • $1,681.47 Cost

$200,000

Fixed Rate
$ 1602 Monthly
  • 7.174% Rate
  • $0.00 Points
  • 7.258% Apr
  • $1,681.47 Cost

$300,000

Fixed Rate
$ 2426 Monthly
  • 7.549% Rate
  • $0.00 Points
  • 7.600% Apr
  • $1,681.47 Cost

$400,000

Fixed Rate
$ 3484 Monthly
  • 8.550% Rate
  • $0.00 Points
  • 8.595% Apr
  • $1,681.47 Cost

$500,000

Fixed Rate
$ 4817 Monthly
  • 9.975% Rate
  • $0.00 Points
  • 10.013% Apr
  • $2,096.47 Cost

Getting a personlized quote will NOT affect your credit score.
†By providing your number, you consent to automated or manual marketing messages & to our Terms of Service & Privacy Policy. Consent to marketing messages is not required to make any purchase. Text ‘stop’ to (714) 352-0808 to opt out after starting your application. You may revoke your consent to receive such calls, or texts, for marketing purposes at any time. 

Pricing is updated as of 10/06/2024. The criteria used is based on $1,000,000 Value. First mortgage balance of $400,000. 780+ fico score. Debt to income of <=43%. Primary single family residence. The annual percentage rate (APR) displayed is based on the loan parameters entered into the Quick Pricing Tool, and it may change based upon loan features, geography, and/or other factors. The APR shown for HELOC products includes anticipated finance charges in addition to interest, and may differ from the APR disclosed on actual disclosures. Any APR and interest rate displayed may change without notice.

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Rates so low, they'll make your jaw drop
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Frequently Asked Questions

  • Minumum credit score of 680+
  • 70% max combined loan to value with a 680-739 fico
  • 80% max combined loan to value with a 740+ fico
  • Minumum credit score of 680+
  • 70% max combined loan to value with a 680-719
  • 80% max combined loan to value with a 720+ fico
  • Minumum credit score of 640+
  • 70% max combined loan to value with a 640-659 fico
  • 80% max combined loan to value with a 660-679+ fico
  • 90% max combined loan to value with a 680+ fico
Mortgage Rates Disclosures

 

The advertised loan is a 15-year Fixed Rate Loan with a 15-year fully amortizing term. The interest rate is 5.250% for 180 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.755% APR with a monthly principal and interest payment of $5,838 for 180 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Interest rate quoted assumes a purchase of a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.


The advertised loan is a 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.545% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

The advertised loan is an FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 6.437% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes, hazard insurance, or mortgage insurance; actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

This is a VA program. Current guidelines for VA Financing can be found at https://www.benefits.va.gov/homeloans/index.asp . The advertised loan is a VA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.882% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 100% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

Refinance: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.