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The better you understand the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience. Our partners at Wescom Central Credit Union (NMLS# 999430) will be able to help you move into your new home or refinance your existing property quicker and easier than any other lender.


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A Home Equity Line of Credit allows you to leverage the equity of your home for a wide variety of reasons, from home renovations to college tuition and more. Borrow up to 80% of your home’s value¹. You can continually borrow money from your HELOC, and draw on the funds as you need them.

  • Variable rate²
  • Primary residence must be located in California
  • Maximum loan amount of $100,000 or up to 80% Loan to Value (whichever is less)


rates as low as 4.49%

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A fixed rate 2nd Mortgage loan is ideal for when you know exactly how much you want to borrow. You will receive your funds in a lump sum, with the convenience of a low, fixed rate and fixed payment amount. Borrow up to 80% of your home's value¹.

  • Primary residence must be located in California
  • Fixed rate
  • Terms up to 180 months
  • Maximum loan amount of $200,000.

1. We will loan up to 80% of the property's value based on the AVM (Automated Valuation Model), minus 1st mortgage balance. Members must pay for the AVM at the time it is ordered. All home properties require an AVM and are subject to third party fees. Consultant your personal tax advisor for tax-deductibility. All loans subject to approval. Rates and terms may change at any time and vary based on creditworthiness, qualifications, and collateral conditions.

2. The line of credit has a variable-rate feature, and the APR (Annual Percentage Rate) and the minimum monthly payment (or number of payments) can change as a result. The APR includes only interest and no other costs. The maximum APR  that can apply is 15%. In no event will the APR be less than 3.25%. This APR (Annual Percentage Rate) will vary with the market based on the 91 Day Treasury Bill as published on the third Thursday of each month. To determine the APR that will apply to your line of credit, we add a margin to the value of the index. The resulting rate is then rounded to the nearest one quarter of one percentage point (0.25%). Ask us for the current index value, margin, and APR. Read the HELOC Program Disclosure here (PDF).