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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 years
  • An annual rate cap of 1% / Lifetime rate cap of 5%*
  • Rate Indexed to 11th District Cost of Funds

* Loans 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.


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 »