California Fixed Rate Home Equity Rates:

Last Updated:  Monday May 12th 2025 – 10:27 AM (Rate Posting #1) Lock Period 30 Days
20 Year Fixed Home Equity Rates
Note Rate % Points % A.P.R. %
6.550% 1.500% 6.834%
6.750% 1.000% 6.973%
6.950% 0.500% 7.111%
7.150% 0.000% 7.247%
30 Year Fixed Home Equity Rates 
Note Rate % Points % A.P.R. %
7.374% 1.500% 7.601%
7.574% 1.000% 7.753%
7.774% 0.500% 7.903%
7.974% 0.000% 8.053%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees.
Posted Rate Assumptions: Qualified Representative FICO Score 780+, Cash Out Refinance/Equity Closed End Second Mortgage with minimum 40% Equity, Single Family Residence Detached (1 unit), Owner Occupied, Full Income Documentation, No subordination of existing 2nd mortgages, Subject Property located in California. Please contact us at 949-646-1091 to discuss all other loan options and scenarios. Interest Rates displayed herein are based on a loan amount of $200,000. Rates/Points/Rebates and programs cannot be guaranteed on this website due to the fact that rates, fees, APR, and other costs are subject to individual borrower’s credit score, loan-to-value, loan purpose, loan amount, credit history/capacity/collateral and rapid fluctuations in market conditions. Rates are subject to change without notice.