房屋净值贷款 & 信贷额度

Is it finally time to complete that renovation or home improvement project? 无论你心中有什么目标, Cal Coast offers flexible options for home equity and home equity lines of credit to make your dreams a reality.  

获得你应得的荣誉

别再拖延了! Build that outdoor deck, remodel your kitchen, or fix that leaking roof. It’s easy with a low introductory rate on a line of credit1 或者固定利率²权益贷款.

今天的利率

房屋净值信贷额度(HELOC)

可调 率, 循环信贷额度

术语 4月
可调利率信贷额度 7.750% 7.750% 0.000%

房屋净值贷款

固定利率,整笔贷款

术语 4月
10年期固定² 7.000% 7.000% 0.000%
15年固定³ 7.500% 7.500% 0.000%
20年固定⁴ 7.875% 7.875% 0.000%

什么是房屋净值贷款 & 信贷额度?

Both of the loans described below have specific advantages. If you're not sure which is right for you, we suggest you reach out to one of our Mortgage Loan Officers who are happy to provide guidance for your unique situation.

房屋净值贷款 (also known as 2nd mortgages or Cash-Out 再融资s), allow homeowners to borrow funds using their home equity as collateral. 这些都是一次性的, fixed-rate loans where the borrower receives the full loan amount upfront as a lump sum. Borrowers can qualify for a home equity loan even if there is an existing mortgage on the property.

房屋净值 信贷额度 (HELOC) 与房屋净值贷款相似吗, but instead of a lump sum the funds are accessed, with a credit card or checking account, through a revolving line of credit. Another difference to keep in mind is that the interest rate for a HELOC is adjustable. 通常, heloc有一个抽签期, during which you can withdraw money, 还有还款期, during which you must payback the balance. At Cal Coast our HELOCs have a 10-year draw period, 只付利息, 还款期为15年.1

什么时候应该考虑HELOC?

HELOC可能是一个很好的选择,如果:

  • You don't need the entire loan amount upfront
  • You need to access funds directly with a credit card
  • You want the flexibility to draw money when you need it and pay interest only on the amount borrowed

When should you consider a 房屋净值贷款?

A 房屋净值贷款 can be a great option if:

  • You need the full loan amount upfront
  • 你重视稳定性 
  • You prefer a fixed-rate and knowing that your payment will never change
与专家交谈

Call or email to connect with a Mortgage Loan Officer.

Our friendly home loan experts are here to help!
(858) 636-3045 周一至周五,上午9点至下午4点
realestateloanofficer@karazouke.net

预约通话

Make an appointment when it's convenient for you.

A one-on-one call with a Mortgage Loan Officer can be extremely helpful. You can ask questions and even submit your application over the phone.

几分钟内涂抹

Take the next step and apply for a home loan online.

It's easy to get started with our secure, mobile-friendly application. Plus, you can always save your progress and pick up where you left off at a later time. 

比较股权期权

房屋净值信贷额度 房屋净值贷款
术语 循环信贷额度1 10²,15³,或20⁴
可调 固定
最高贷款金额 最高25万美元 最高25万美元
财产的使用 Owner occupied, 2nd home, Investment Owner occupied, 2nd home, Investment
贷款人成交费用 0美元的自付期权 0美元的自付期权

Review your options with a Mortgage Loan Officer.


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Answer a few questions and a home loan expert will reach out to help you.

Thank you for your home loan inquiry! A Cal Coast Mortgage Loan Officer will reach out to you within one business day to go over your options. If you'd like to speak to someone sooner please feel free to call 858-636-3045 (周一至周五,上午9点至下午4点).

你住在家里吗?
Is there currently a mortgage on the property?
你的信用评分是多少?
What is your preferred method of contact? 选择所有适用的.

房屋净值选择

固定利率

房屋净值贷款

Tap into on your home's equity to pay for major expenses, with a lump sum loan.

可调整利率

房屋净值信贷额度

Access your home’s equity in a revolving credit line that can be used over and over again.

年利率. 利率 and terms effective as of 05/10/2024 based on credit history, 须经批准, and subject to change without notice. 有一些限制. 会员 and credit 须经批准. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. 限制.

  1. 房屋净值信贷额度
  2. 10年期固定资产贷款
  3. 15年固定房屋净值80贷款
  4. 20年固定房屋净值80贷款

韦德开户试玩

有问题? 想了解更多信息? We’re more than happy to get in touch. 大家一起说. 填好表格.

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