Home Equity Loans & HELOCs
Unlock Your Home's Value
Fixed-rate loans AND flexible lines of credit. 15%+ equity, competitive rates, low/no closing costs. Use for anything. Keep your low first mortgage rate.
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Home Equity Loan
Why choose home equity
Access your home's value without refinancing your first mortgage. Fixed-rate OR flexible options available.
Fixed-Rate & Flexible Options
You choose
Home Equity Loan: Fixed rate, fixed payment, lump sum. HELOC: Variable rate, flexible draw, revolving credit. We offer both.
Competitive Rates
Lower than credit cards
Home equity rates are much lower than personal loans or credit cards because your home secures the loan. Tax-deductible if used for home improvements.
Low/No Closing Costs
Keep your first mortgage
No need to refinance your first mortgage. Keep your low rate. Low or no closing costs on most home equity loans and HELOCs.
How it works
Get your quote
Chat with our specialist or fill out the quick form. We’ll calculate your available equity and recommend loan vs HELOC.
Choose your option
Fixed-rate home equity loan for lump sum, or flexible HELOC for revolving credit. We’ll find the best rate.
Access your funds
Close and receive your funds. Home equity loan: lump sum at closing. HELOC: draw as needed during draw period.
Home Equity Requirements
Check these requirements to see if you qualify:
Ready to unlock your home's value?
Get your personalized home equity quote in 60 seconds. Fixed-rate OR flexible HELOC. No credit impact. No obligation.
Home Equity FAQs
What is a home equity loan?
A home equity loan is a fixed-rate second mortgage that gives you a lump sum of cash upfront. You repay it with fixed monthly payments over 5, 10, 15, 20, or 30 years. Interest rates are typically lower than personal loans or credit cards because your home secures the loan.
What is a HELOC?
A HELOC (Home Equity Line of Credit) is a revolving credit line secured by your home. You can borrow as needed up to your credit limit during a draw period (typically 10 years), then repay over 10–20 years. Interest rates are variable (tied to Prime rate). Think of it like a credit card secured by your home.
Home equity loan vs HELOC — which is better?
Home Equity Loan: Best if you know the exact amount you need, want a fixed rate and payment, and will use funds all at once (e.g., kitchen remodel). HELOC: Best if you want flexibility, may not use the full amount immediately, or have ongoing expenses (e.g., home improvements over time, emergency fund).
How much home equity can I access?
Most lenders allow you to borrow up to 85% of your home’s value minus your current mortgage balance. For example: $500k home × 85% = $425k max combined loan-to-value (CLTV) – $300k current mortgage = $125k available equity.
Do I need an appraisal?
It depends on the loan amount and lender. Many lenders offer desktop appraisals or appraisal waivers for smaller amounts. Larger loans ($100k+) typically require a full appraisal.
What can I use the funds for?
Anything! Common uses: home improvements (increase property value), debt consolidation (pay off high-interest credit cards), down payment on investment property, college tuition, medical expenses, emergency fund, major purchases. No restrictions.
Can I get a home equity loan or HELOC in California?
Yes. LoanAll.com is a licensed California mortgage broker (CA DRE #01212512, NMLS #2787839) and offers home equity loans and HELOCs throughout the state. Use Form Instead → for a free quote.
Quick Home Equity Quote
Fill out the form below and we'll calculate your available equity and best options.
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