Home Equity Line of Credit

What makes our Home Equity Line of Credit even better? A new, low intro rate of 2.09% APR for the first 12 months. After 12 months, your rate converts to our low variable floor rate of 5.5% APR.

Want to improve your home? Like to pay off debt?  Need an emergency source of funds? Our HELOC is the answer!

  • Instant access to cash Via Online Banking or check
  • Lower rates than other loans Interest only on funds used
  • Fast answers We're right here in HB, so we move quickly

Apply online or call (714) 536-6517 and speak with one of our friendly loan officers.

Being a local lender right here in Huntington Beach, we can get you fast answers and make the process simple for you.

Apply now for a Home Equity Line of Credit

Review our HELOC Early Disclosure

Learn more about home equity lines of credit from the Consumer Financial Protection Bureau here.

Loans subject to approval. Offer subject to change. 2.09% introductory Annual Percentage Rate available for 12 months after loan is funded. At the beginning of the thirteenth month, your regular rate will apply. Please see complete details and disclosures here. The HELOC has a five (5) year draw period and then becomes due and payable over the remaining ten (10) year repayment period. The rate is variable and is subject to change semi-annually on the first day of February and August. Variable rate based on the monthly average of the Six (6) Month Treasury Bill Rate (Auction High) with a maximum interest rate cap of 10.50%. Early repayment fees may apply. Valid for standard Home Equity Line of Credit only. The minimum initial credit advance is 10% of the approved credit line and $500 for each subsequent advance. Certain restrictions apply. Rates for these products are determined by the applicant's credit, payment history, income, and collateral and subject to change without notice. Loans are subject to credit approval and secured by lien on residential property. You may borrow up to 80% of the appraised value of your primary residence less the amount owed on the first mortgage to a maximum of $250,000. Offer does not include refinances of existing HELOC’s with HBCU. NMLS #770447