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Home » Home Value Loans » CLTV Home Equity Loans
Unlock the full potential of your home with our 100% combined loan to value home equity loan. Designed for owner-occupied properties in California and Nevada, this loan lets you borrow up to 100% of your home’s value. Whether you’re consolidating debt, funding major projects, or making home improvements, our flexible loan options are tailored to fit your needs.
100% CLTV home equity loan
A 100% CLTV home equity loan is secured by the property and enables homeowners to borrow money by leveraging the remaining equity in their home that they may not have been able to take advantage of with a traditional first or second mortgage. It can accommodate various lien positions, offering flexibility for complex financial situations.
Traditional home equity loans
With our traditional home equity loan, you can borrow against your home’s equity, up to 80% LTV, with favorable terms. This option is well-suited for those with sufficient equity who want to benefit from lower interest rates and predictable payments.
Home Equity Line of Credit (HELOC)
A HELOC functions like a revolving credit line, allowing you to borrow as needed up to your approved credit limit during the draw period. We have both Interest-Only HELOC and Traditional HELOC options.
1Rates vary depending on individual creditworthiness. Loan amounts from $10,000 to $50,000. Owner occupied; California and Nevada properties only. CLTV = Combined Loan to Value. Processing fees are deducted from loan and may range from $500 to $2,000, based on property type and title. At least one borrower must have been on title for 12 months prior to the application date of the new loan. Proof of property insurance required.