Questions? Call
(949) 759-7000
Questions? Call
(949) 759-7000
Access your home equity without refinancing or a reverse mortgage.
This home equity line of credit is designed for qualifying California homeowners age 62 and older who want flexibility, control, and access to their home’s value — without giving up their existing mortgage.
This product is a traditional home equity line of credit with a lien on your home. The balance is typically repaid when the home is sold or the borrower no longer occupies the property as their primary residence.
Pre-qualification uses a soft credit inquiry and will not affect your credit score.
No obligation. Speak directly with a California licensed mortgage broker.
Is this a reverse mortgage?
No. This is a traditional home equity line of credit. You retain full ownership of your home.
Do I have to refinance my current mortgage?
No. This product does not replace or modify your existing first mortgage.
Are monthly payments required?
Yes. Interest-only payments are required while you occupy the home as your primary residence.
No principal payments are required during this period.*
What happens when I sell my home or move?
The outstanding principal balance is typically repaid when the home is sold or
the property is no longer your primary residence.
How can I qualify if I’ve been turned down by my bank?
Depending on your situation, alternative methods of documenting income may be considered.
Qualification is subject to underwriting and approval.
Will this affect my credit score?
Pre-qualification uses a soft credit inquiry and does not impact your credit score.
*Interest-only payments are required while the borrower occupies the home as a primary residence and remains current on property taxes, homeowners insurance, HOA dues (if applicable), and property maintenance. Principal and any accrued interest become due upon a maturity event.