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Home Equity Loans

TermOwner OccupiedNon-Owner Occupied
≤ 10 years7.00% - 9.50%8.25% - 9.25%
15 years7.50% - 10.00%8.75% - 9.75%
20 years8.00% - 10.50%-

100% CLTV Home Equity Loans

TermOwner Occupied
10 years8.25% - 10.75%

Home Equity Lines of Credit

Loan typeOwner OccupiedNon-Owner Occupied
Interest-Only HELOC57.25% - 9.50%-
Traditional HELOC7.00% - 12.00%8.00% - 10.00%

APR = Annual Percentage Rate. CLTV = Combined Loan to Value. Rates are subject to change without notice, are based on creditworthiness, and may require a down payment.

Prime Rate = 7.00% as of 10.28.25

Home equity lines and loan rates are based on Prime Rate plus a 0% – 5% margin and applicable rate, subject to creditworthiness. Floor rates range from 4% to 8%. There is no annual cap on Interest-Only HELOCs. The annual cap on Traditional HELOCs is 2%, and the lifetime cap is 6%, above the fully indexed rate at the time of origination. There is no cap on the minimum loan amount of $25,000. A sample payment based on a $25,000 loan for 10 years at 9.25% APR would be $320.18. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Home equity lines and loans are only available in California and Nevada. Additional fees may apply.

5Not available on non-owner-occupied dwellings.

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