HOME  EQUITY
LINE OF CREDIT

Future tuition. That new home addition. Or maybe just for a rainy day. Whatever you — or life — might have planned, leveraging a new home equity line of credit (HELOC) may be a smart way to stay a step ahead. 

Low Introductory Rate  

As low as 2.49%* variable APR after.

Let's get started.

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By submitting this form, you are authorizing Secure One Capital to: (1) contact you via phone and/or email; and (2) send you emails for marketing purposes.

 Features & Benefits

Flexible Credit Lines

Access credit lines from $25,000 to $5 million, use the funds only when you need them and pay interest only on the amount you use.

Low or No Closing Costs

Open a HELOC up to $1 million and pay little to nothing in closing costs.

Revolving Line of Credit

Borrow for up to 10 years and pay interest only on the borrowed amount.

FAQs

  • How do I apply for a home equity line of credit?

    Call us or Email us and a Relationship Manager will help you open an application. If you're already a client, contact your Relationship Manager.

  • Is interest in a home equity line of credit tax deductible?

    Interest on a home equity line of credit may be tax deductible. Consult with your tax advisor. 2

  • What can I use a home equity line of credit for?

    You can use a home equity line of credit for a variety of financial obligations. However, most clients use HELOCs to help pay for large expenses such as college tuition or home improvements.

  • How do I access funds from my home equity line of credit?

    Simply write out a check or request a telephone transfer for the amount you need. HELOC checks work just like your checking account — only you know it's a loan.

  • How much money can I borrow using a home equity line?

    We offer credit lines from $25,000 to $5 million (if secured by a first lien; the maximum is $2 million if secured by a second lien).

Offer applies to a 2nd mortgage loan in an amount of at least $75,000, secured by owner occupied residential property, 1-4 unit, single family residence homes. This offer assumes you have the required full documentation of income and assets with a minimum credit score of 760 and below 60% Loan to value. Offer assumes debt to obligations do not exceed 32% of your gross monthly income. Formal approval will be subject to satisfactory verification of income, assets, credit, property condition and value. This offer is contingent upon our receiving a valid and perfected first and/or second lien on your single family residence. Additional underwriting guidelines may apply. Home equity line of credit (HELOC) annual percentage rate (APR) is variable and is based on prime rate published in the Wall Street Journal, as of 6/17/2022, plus a margin for line amounts of $10,000-$1,000,000. The 2.49% APR Promotional rate is available for 3 billing cycles, and may end at any time, after which the APR will range from 4.99% APR-14% APR. Payment calculated based on 2.49% Interest Only. All stated APR ranges apply to lines secured by. Your APR may be higher and will be based on the variable rate index value in effect at the time of account opening, your credit qualifications, amount of the line of credit, loan-to-value ratio, and type of property. The annual fee is $75 per year.  Secure One Capital, NMLS# 239738, 3200 Park Center Dr. Suite 1300, Costa Mesa, CA 92626.

Non-Deposit Investment Product s: • Are Not FDIC Insured • Are Not Bank Guaranteed • May Lose Value