*HELOC applications received for owner-occupied properties between 7/1/24 and 11/30/24 will receive a special introductory rate for the first 6 months and a rate of Prime + 0% for the remaining life of the loan term. Offer and rates are subject to change without notice. Third-party fees apply. An appraisal fee will be charged for HELOCs over $400,000.

The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (“Index”). The minimum interest rate is 4.000%, and the maximum interest rate is 18.000%. Equity lines have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only.

The rate example shown here is based on an owner-occupied single-family detached house located in the state of California with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. Some restrictions may apply.

HELOC payment example: A HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), and a FICO® score of 720 or greater will have an introductory rate of 7.250% APR for the first six months, and a monthly payment of $1,511.00. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

**Second Home/Investment HELOCs have a maximum 75% CLTV and maximum line of $400,000 with a variable rate of Prime + 1.375%. Payment example: A HELOC with a loan amount of $250,000, 75% Combined Loan to Value (CLTV), a 9.375% APR, and a FICO® score of 680 or greater will have a monthly payment of $1,954.00. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

***The ADU HELOC rate is fixed for the first 12 months, then variable and subject to increase or decrease during the loan term. ADU HELOC payment example: An ADU HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), a 7.500% APR, and a FICO® score of 720 or greater will have a fixed monthly payment of $1,563 for the first 12 months. After the initial 12 months, the rate and payment are subject to change. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

The rate example shown here is based on ADU construction at an owner-occupied single-family detached house located in the state of California with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. The property must be owner-occupied and located in California, and an approved permit from the County where the property is located is required. Other restrictions may apply.