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There's a quick and easy way to finance your dreams! Just access
your homes' equity and cash in on the best way to finance home
improvements, college expenses, a dream vacation, a wedding, a
new car or the consolidation of your bills. Consult your tax advisor
for specific tax advantages.
Home Equity Maximizer
- Loan amounts up to $250,000
- Access the funds for up to 10 years
- 20 years repayment period
- No closing costs, no points on CLTV less than 70%
- Uses the 1-year Treasury Bill as its index
- View current rates here
10, 15 or 20 Year Fixed Second Mortgage
For those looking for the security of a fixed payment, we also offer 10, 15 or 20 year fixed Second Mortgages with loan amounts up to $250,000.
Check Current Rates Here!
For additional information regarding rates, fees, and underwriting, please call our Real Estate Department at 408.955.1300 or 800.995.0287, extension 1335.
Maximizer details: The Maximizer program listed above is for informational purposes not all borrowers will qualify for all programs. Rates, terms and conditions are subject to change at anytime without notice. The program listed is limited to owner-occupied, one to four family units located in the state of California. This program is not available for mobile homes, vacant lots, or commercial properties. Other restrictions on property may apply. Property insurance required. Flood insurance may be required.
Borrow up to 70% of your home's appraised value for approved borrowers, less the balance of the first deed up to $250,000. Non-refundable documentation fee up to $250.00. LTV is calculated by dividing the loan amount by the appraised value or purchase value, whichever is less . Initial advance requirement is $10,000. A prepayment fee of $400 may apply if closed within the first year. A $40 annual fee applies beginning on the 1st anniversary of the loan if an average annual balance of $10,000 or more is not maintained. The annual percentage rate (APR) may increase after your loan is funded due to adjustment. The Maximum APR to be imposed is 15.000%.
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