Plan the amount
Start with your budget and review the equity available in your home.
California home equity loan
California home equity loans
One clear schedule.
Put your equity toward a known expense with one lump sum and scheduled repayment.
A home equity loan is secured by your home. Many offer a fixed rate, but terms, closing costs, and approval depend on the lender and your file.
Licensed review. No commitment to proceed.
FundingOne approved lump sum
Rate structureOften fixed by the loan terms
RepaymentScheduled monthly payment
How it works
One funding goal. A clear repayment path.
Receive one sum
If approved, funds are provided at closing under the loan terms.
Follow a schedule
Repay principal and interest over the agreed term.
Structure illustration only. Not an approval, loan amount, or quote.
Project inspiration
One renovation. A defined budget.
For a project with a clear total cost, a lump-sum loan can give you the funds together. A fixed-rate option can make principal-and-interest budgeting more predictable.
- A renovation with a set budget
- A planned family expense
- A major repair or purchase
Illustrative use case. You pay on the full loan balance. Compare closing costs and repayment—not just the amount you receive.
Know the tradeoff
Make room for the payment, too.
Your home secures this debt. Missed payments can put it at risk. Review your income, other debts, and the payment you could sustain—not only the amount available.
The Equity Edge approach
Your goal first.
The product second.
One licensed conversation to connect your plans with the payment, costs, and tradeoffs—not just a headline rate.
Verify company NMLS #2808857What we work through together
Your starting point
Your property, existing mortgage, and funding goal.
The full cost
Monthly obligations, fees, and the cost over time.
The next move
Clear conditions and next steps before you commit.
Prefer to talk? Request a call timeA preferred-time request, not a confirmed appointment.
A few good questions
The details,
when you need them.
Clear answers. No pressure to choose.
What is the difference between a home equity loan and a HELOC?
A home equity loan generally provides one lump sum with scheduled repayment. A HELOC is a revolving line that lets an approved borrower draw, repay, and potentially draw again during its draw period. Rates, payments, fees, and eligibility vary by lender and program.
Is a home equity loan the same as an HEI or HEA?
No. A home equity loan is debt secured by the home and requires repayment under loan terms. An HEI or HEA is generally an equity-sharing agreement with different costs, settlement mechanics, and no traditional monthly loan payment.
How much can I borrow with a home equity loan?
The approved amount depends on the home's verified value, existing liens, lender limits, borrower qualifications, and complete underwriting. An initial equity estimate is useful, but it is not an approval or commitment.
Does a home equity loan have closing costs?
It may. Potential costs can include lender, appraisal, title, escrow, recording, and other third-party charges. Request a program-specific disclosure before deciding whether the total cost fits your goals.
Can a self-employed borrower qualify for a home equity loan?
Possibly. Qualification depends on the lender and the complete file. Self-employed borrowers may need business and personal financial documentation; alternative-documentation mortgage programs are a separate category and may also be worth comparing.
What should I compare before choosing a home equity option?
Compare the amount and timing of funds, required payments, rate structure, fees, lien position, early payoff terms, total projected cost, and what happens when you sell or refinance.