Let us help you tap into your home’s equity. You can use the funds for any reason—home remodel, education expenses, that once-in-a-lifetime dream vacation—anything you can think of. We’ll help you choose the best Home Equity Line of Credit program to meet your goals.

Streamline Home Equity Line of Credit:

  • Maximum loan amount to $250,000
  • Mid-credit score of 700+ required
  • No third-party fees
  • Stand-alone home equity line of credit only
  • Streamline income documents required
  • Up to 80% combined-loan-to-value (CLTV)
  • 10-year interest-only draw period/20-year repayment of principal and interest (30-year term) first and second lien position
  • No prepayment penalty
  • $10,000 minimum
  • Owner-occupied and second home
  • SFR, PUDs, condos okay

Standard Home Equity Line of Credit:

  • Loan amounts to $4,000,000
  • Mid-credit score of 680+ required
  • Standard full-income documents required
  • Stand-alone and piggybacks
  • Up to 80% combined-loan-to-value (CLTV)
  • 10-year interest-only draw period/20-year repayment of principal and interest (30-year term) first and second lien position
  • No prepayment penalty
  • $10,000 minimum
  • Owner-occupied and second home
  • SFR, PUD and condos

Contact a home loan specialist today to see how
we can best meet your needs.


Not all applicants will qualify. Some products offered by Banc of California include modified documentation requirements and may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve and other requirements apply. Contact your Loan Officer for additional program guidelines, restrictions and eligibility requirements.
Rates, points, APRs and programs are subject to change at any time until locked in.