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Home Equity Loans

Whether you need to consolidate debt, fund college tuition, or update your home, you can use Home Equity Loan to ease financial burdens and make life more comfortable.

This loan features:

  • A fixed rate for five years; adjusts annually thereafter
  • Terms up to 20 years1
  • An annual rate cap of 1% / Lifetime rate cap of 5%2
  • Rate Indexed to 11th District Cost of Funds

Get started with an application or speak with a Mortgage Loan Officer »

For a free consultation, call (805) 543-1816, email or book an appointment »

Looking for a Home Equity Line of Credit?

Rather than one lump sum, a HELOC allows you to draw funds as needed. 
Learn more »


1For an adjustable rate equity loan in the amount of $400,000 for 20 years with an initial interest rate of 5.50% (APR 5.566%*) for the first five years, the estimated monthly payment would be $2,751.55. Payment example excludes taxes and insurance. Actual payment will vary throughout the life of the loan, based on final loan terms and changes to the rate index. Rate and payments may increase after consummation. Refer to the Payment Calculator to estimate additional payment examples.

2Loans subject to credit approval. Initial costs generally consist of a documentation fee and third-party related costs. Please consult your tax advisor for information regarding the deductibility of interest and charges. See loan disclosures for complete details.

*APR = Annual Percentage Rate