Home Equity Loan


A Home Equity Loan can really come in handy for large purchases, remodeling, tuition, consolidating debt, and more. If you know the amount you need to borrow, and prefer a fixed rate over a variable rate, a Home Equity Loan might be a better alternative to a Home Equity Line of Credit.


If you have equity in your home, an First Californian Home Equity Loan lets you borrow money using your home’s equity as collateral. Your loan is repayable over a fixed term with the security of a locked rate and a consistent monthly payment. Unlike most other types of consumer loans, the interest on a home equity loan may be tax deductible!

First Californian Home Equity Loans offer:


  • Great low interest rates. Click Here to view rates
  • Secure, fixed rate for the life of the loan
  • Waived closing costs1
  • Fast processing
  • Terms for up to 10 years2
  • Loan amount up to 90% of appraised value
  • Interest paid may be tax deductible

Apply Online for a Home Equity Loan


The First Californian application takes only minutes to complete.

There is no obligation to activate the loan, and approvals are valid for 30 days. If your application is approved, you will be contacted by one of our knowledgeable loan officers, with instructions.

Click Here for loan options, rates, and disclosures.

Apply Now!

1 For owner-occupied properties only: If line closed within 3 years, waived closing costs will be owed. Initial advance of $3,000.00 is required. If closed early, a $400.00 fee will be assessed.

2 Your interest rate will be determined by the amount financed, the loan term, and your credit history. Not eligible for a 2nd mortgage if 1st mortgage has a negative amortization feature.



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951.267.9951