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California Home Equity Loans & HELOCs

Competitive rates and trusted service for California homeowners

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Current California Home Equity Rates

Updated daily rates from licensed California lenders

HELOC Rates in California

Variable Rate Range:6.75% - 18%
Prime Rate + Margin:8.50% + 0.25% - 2.50%
Credit Score 740+:Starting at 6.75%
Credit Score 680-739:Starting at 7.25%
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Home Equity Loan Rates in California

Fixed Rate Range:7.25% - 12.99%
15-Year Term:7.25% - 12.49%
20-Year Term:7.50% - 12.99%
30-Year Term:7.75% - 13.49%
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Rates shown are for qualified California borrowers and subject to change. Final rates depend on credit score, loan-to-value ratio, and other factors.

California Home Equity Market

Market insights for California homeowners

$782K
Median Home Value
California statewide average
$235K
Average Available Equity
For homeowners with 20%+ equity
68%
Homeownership Rate
California vs 65% national average
15.2%
Annual Appreciation
5-year average home value growth

Why California Homeowners Choose Home Equity

Popular Uses in California:

  • •Home renovations and additions
  • •Investment property down payments
  • •Education expenses (UC/CSU system)
  • •Debt consolidation
  • •Business startup funding

California Advantages:

  • •Strong home appreciation builds equity faster
  • •High incomes support larger loan amounts
  • •Diverse economy provides job stability
  • •Consumer protection laws
  • •Competitive lending market

California Home Equity Regulations

Consumer Protections in California

Right of Rescission

California law provides a 3-business-day right of rescission period after closing, allowing you to cancel the loan for any reason without penalty.

This period extends to 5 days if proper disclosures were not provided.

Disclosure Requirements

Lenders must provide comprehensive disclosures including all costs, terms, and potential risks associated with using your home as collateral.

The California Financing Law requires additional state-specific disclosures beyond federal requirements.

Licensing Requirements

All home equity lenders in California must be licensed by the Department of Financial Protection and Innovation (DFPI) and follow strict operational guidelines.

Verify lender licensing at dfpi.ca.gov

Prepayment Penalty Restrictions

California limits prepayment penalties on home equity loans, with most lenders offering loans without any prepayment penalties.

Any prepayment penalties must be clearly disclosed and have specific time limitations.

Serving California Cities

Licensed home equity lenders serving homeowners throughout California

Los Angeles
San Francisco
San Diego
San Jose
Fresno
Sacramento
Long Beach
Oakland
Bakersfield
Anaheim
Santa Ana
Riverside
Stockton
Irvine
Chula Vista
Fremont
San Bernardino
Modesto
Fontana
Oxnard
Moreno Valley
Huntington Beach
Glendale
Santa Clarita

And many more cities throughout the Golden State

California Home Equity FAQ

Common questions about home equity loans and HELOCs in California

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