Home Equity Lines of Credit
Turn Equity Into Opportunity.
A Home Equity Line of Credit (HELOC) is a versatile financial tool that allows you to borrow against the equity in your home. HELOCs are the perfect solution for unplanned expenses or consolidating high interest debt. You can also utilize your home's equity to fund a home upgrade, rental property improvement, family vacation, or college education.
Owner-occupied fixed rate starting at
6.24% APR1
Non-Owner-occupied fixed rate starting at
7.24% APR2
Home Equity Lines of Credit
| Loan Type | Terms | Current Indexed Rate |
|---|---|---|
| Owner Occupied $10,000 to $400,000 | 10 year draw + 15 yr. repayment | 6.75% APR1 |
| Non-Owner Occupied $10,000 to $400,000 | 10 year draw + 15 yr. repayment | 7.75% APR2 |
APR = Annual Percentage Rate. APRs are accurate as of December 11, 2025. Minimum credit line of $10,000 required. Offer subject to credit qualifications. No annual fee. Rates, terms and conditions are subject to change without notice. Other limitations may apply. Ask an UNCLE representative for more information.
1The fixed APR at 0.51% below Prime rate is the introductory rate for the first 6 months. 6.75% APR is the rate for a home equity line up to $400,000 at 80% combined loan-to-value (CLTV); Owner-occupied California 1-4 residential real property only. Rates will vary based on Wall Street prime, terms, and conditions are subject to change without notice. The variable APR cannot fall below 3.50% or increase above 15.00% (variable rates).
2The fixed APR at 0.51% below Prime rate plus 1.00% is the introductory rate for the first 6 months. 7.75% APR is the rate for a non-owner-occupied home equity line up to $400,000 at 75% combined an-to-value (CLTV); Non-Owner-Occupied California 1-4 residential real property only. Rates will vary based on Wall Street prime plus 1.00%. The variable APR cannot fall below 4.50% or increase above 18.00% (variable rates).
We make it easier to create your dream home.
- We pay up to $500 in closing costs3
- Receive a rebate up to $300 on an early closure fee4
HELOCs are a variable rate, revolving credit line that allows you to borrow as much as you need, up to your approved limit. Access your HELOC funds whenever you need with a check, transfer or withdrawal. Available for primary residences, second homes, and investment properties.
