Home Equity Line of Credit
Access your home’s equity in a revolving credit line that can be used anytime.
It's Your Equity to Use on Anything You Want
Access your home’s equity in a revolving credit line that can be used over and over — and over again. Finance up to $250,000 on your primary residence.1
Making your home work for you.
We offer Home Equity Lines of Credit (HELOCs) as low as 7.50% APR.2 And, with an interest-only feature, your monthly payments can be even more affordable.
Our HELOC features:
- No points, no lender fee, and no annual fee options2
- $0 out-of-pocket options
- Low interest-only payments and draw period for 10 years
- 15-year payment term begins after the 10-year draw period
- Loan advances can be taken as needed, and interest is charged only on the funds in use
- Interest payments may be tax deductible (consult your tax advisor)
We are available to walk you step-by-step through the process and determine the home loan product that's best for you. Give us a call today at (877) 495-1600, or begin the online loan application today.
Cal Coast HELOC Access Card
Enjoy the convenience of a credit card while drawing from your home equity line. You can use your funds for anything, with no minimum purchase requirements. Plus, benefit from Zero Liability Protection and access to over 30,000 fee-free ATMs nationwide.
More Mortgage Options
Home Equity Loans
You've worked hard to build the equity in your home, now let it work for you and your family with a Cal Coast Home Equity Loan.
Refinancing a Home Loan
Save more on the things that matter by lowering your monthly mortgage payment by refinancing with Cal Coast.
Cal Coast Home Rewards
Did you know Cal Coast offers a home buying and selling service exclusive to our members? Buying or selling your home can be rewarding and easy with our professional Home Rewards team.
APR = Annual Percentage Rate.
- Maximum combined loan-to-value (CLTV) ratio on $250,000 is 75%.
- Rates and terms effective as of 07/16/2025 based on credit history, subject to approval, and subject to change without notice. Membership and credit subject to approval. Serving everyone who lives or works in Southern California. A one-time $5 membership fee and savings account required. Restrictions apply. APR of 7.50% is offered on single-family owner-occupied homes up to 80% CLTV. Rate is tied to the Prime Rate as published in the Wall Street Journal, or the floor rate of 4.250% APR, whichever is greater, and may adjust a maximum of .5% monthly. The maximum APR (Lifetime Cap) is 12%. The minimum APR (Floor Rate) is 4.250%. Loans on second homes and investment properties in CA are available at different rates / terms.
Contact Us
Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.
Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.