Home Equity Loan and HELOC
Flexibility backed by your home.
HELOC Intro Rate
Kick off your home improvement projects sooner with a 6 month introductory fixed rate of 4.75% APR, then a variable rate of Prime + 0%.
Apply NowTurn your home’s value into opportunity.
Make the most of the equity you’ve built in your home with a HELOC that gives you flexible access to funds for home improvements, unexpected expenses, and more.
Make your space your own
Fund home improvements or renovations that make your home work better for your life.
Simplify high-interest debt
Consolidate balances into one manageable payment and potentially save on interest.
Invest in education
Cover education costs for yourself or your family.
Plan something meaningful
Use your funds to travel, plan a big life moment, or realize a personal goal.
Compare your home equity options
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Best for
Best for
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Access to funds
Access to funds
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Maximum loan amount
Maximum loan amount
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Combined loan-to-value (CLTV)
Combined loan-to-value (CLTV)
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Fees
Fees
HELOC (Home Equity Line of Credit)
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Best for
Ongoing or flexible expenses
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Access to funds
Draw funds as needed during the draw period
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Maximum loan amount
Up to $250,000
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Combined loan-to-value (CLTV)
Borrow up to 100% CLTV
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Fees
$0
Home Equity Loan
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Best for
One-time projects or large purchases
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Access to funds
Receive a lump sum up front
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Maximum loan amount
Up to $250,000
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Combined loan-to-value (CLTV)
Borrow up to 100% CLTV
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Fees
$0
Check Our Rates
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*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Your actual rate may vary based on your credit history and CLTV. HELOC: Variable rate based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 7.00%). Min APR 3.25%. Max APR 15.00%. $499 early closure fee for 2nd trust deeds or $799 for 1st trust deeds, waived if the account is open for 3 years. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $400,000 maximum loan amount. Not available for purchases. Payment example, 6 monthly payments of $6.47 for each $1,000 borrowed, followed by 234 monthly payments of $7.75 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. For Non-Owner Occupied HELOC: Prime Rate + 2.00% (currently 9.00%). Minimum APR 3.25%. Maximum CLTV 75%. $799 opening fee (waived if account is open for 3 years). Up-front, borrower-paid appraisal required. $100,000 maximum loan amount. |
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4.75% APR* for 6 months, then As low as 6.75% up to 80% LTV (Prime + 0%) |
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As low as 8.00% APR up to 90% LTV (Prime + 1.25%) |
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As low as 8.25% ARP up to 100% LTV (Prime + 1.50%) |
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term |
LTV |
APR* as low as |
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*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. |
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term 10 Year Fixed |
LTV 80% |
APR* as low as 7.375% |
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term 10 Year Fixed |
LTV 90% |
APR* as low as 9.000% |
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term 15 Year Fixed |
LTV 80% |
APR* as low as 7.500% |
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term 15 Year Fixed |
LTV 90% |
APR* as low as 9.500% |
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term 20 Year Fixed |
LTV 80% |
APR* as low as 7.940% |
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term 20 Year Fixed |
LTV 90% |
APR* as low as 10.250% |
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term |
APR* as low as |
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*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. 15 Year Fixed Second |
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term 10 Year Fixed Second |
APR* as low as 8.250% |
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term 15 Year Fixed Second |
APR* as low as 9.000% |
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Meet Your Real Estate Loan Specialists!
Our experienced real estate loan specialists are here to guide you through every step of the financing process. With personalized solutions and trusted expertise, we help make your real estate goals a reality.
David Oliveros
Serving Sacramento & Rancho Cordova
doliveros@firstus.org
916-576-5672
NMLS # 1175725
Make an appointment
Christopher Tatton
Serving Rocklin, Auburn & Grass Valley
ctatton@firstus.org
916-576-5664
NMLS # 1089578
Make an appointment
Disclosures
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HELOC
*APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 6.75%). Your actual rate may vary based on your credit history. Minimum APR 3.99% Maximum APR 15.00% for up to 95% LTV or 18% for 95.01% – 100% CLTV. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees and notary fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Not available for purchases. Payment example: 6 monthly payments of $6.47 for each $1,000 borrowed, followed by 234 monthly payments of $7.59 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. Promotional rate is only available on HELOCs up to 80% CLTV.Home Equity Loans
10 Year Fixed
Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $40,000; maximum loan amount $400,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years). Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 120 monthly payments of approximately $11.61 per $1,000 borrowed.15 Year Fixed
Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $40,000; maximum loan amount $250,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 180 monthly payments of $9.13 per $1,000 borrowed.20 Year Fixed
Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $40,000; maximum loan amount $250,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 240 monthly payments of approximately $8.06 per $1,000 borrowed.