Home equity loan · California · Mortgage broker
Access cash. Keep your mortgage.
Tap your home’s equity with a fixed-rate lump sum. 100% online — funding in as few as 15 days.
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What is a home equity loan?
A home equity loan (HELOAN) is a fixed-rate lump sum secured by your California home — you get the full amount up front and repay it in equal monthly payments over a set term. As an independent broker, S.O.S. Loans helps homeowners put that equity to work for renovations, an ADU, debt consolidation, or a major expense.
- check_circleBorrow up to $500,000 as a one-time lump sum
- check_circleFixed rate and predictable monthly payments
- check_circleNew loan — no refinance required
- check_circleGet funded in as little as 15 days
Popular ways Californians use a home equity loan
Make home improvements
Fund renovations and repairs that increase your home’s value and your enjoyment.
Build an ADU
Finance an accessory dwelling unit to add space, rental income, or room for family.
Tackle debt
Consolidate higher-interest balances into one lower-rate line secured by your home.
Fund education
Cover tuition and education costs on your schedule.
Cover a major expense
Access funds for large, planned expenses when you need them.
Fund a small business
Put your equity to work for your business goals.
How does a home equity loan work with S.O.S. Loans?
An independent California broker with a fast, 100% online home equity loan process.
Complete our 100% online form
No in-person appraisal under $400K, and prequalifying won’t affect your credit score.
Approved in minutes, funded in as few as 5 days
Borrow $15,000 to $500,000 as a one-time lump sum with a single origination fee.
Lock in a fixed rate
Your rate and monthly payment stay fixed for the life of the loan, so your budget stays predictable.
lockChecking your options won’t affect your credit score.
How does a home equity loan compare against other options?
Every way to tap your home has trade-offs. See how a fixed-rate home equity loan stacks up against a HELOC, a cash-out refinance, and an unsecured personal loan.
| savings Home equity loan | credit_card HELOC | currency_exchange Cash-out refi | payments Personal loan | |
|---|---|---|---|---|
| How it works | A second loan alongside your current mortgage | A revolving credit line secured by your home | A new mortgage that replaces your current one | A loan that doesn’t require home equity |
| Payment structure | Fixed monthly payments on a lump sum | Variable payments based on how much you use | Payments rolled into a new, larger mortgage | Fixed monthly payments on a lump sum |
| Core benefit | Access cash while keeping your first-mortgage rate | Flexible access to funds over time | Access more cash and potentially adjust your rate | Access cash fast without using your home |
| Rate type | Fixed | Variable | Fixed, often higher | Fixed, often higher |
| Get started | Learn more | Learn more | Learn more |
Comparison is for general education. Actual terms, rates, and structures vary by lender and borrower profile.
What our clients say
“Great experience! I utilized their reverse mortgage service for my house in Palm Springs. Couldn’t have been an easier process with great customer service. Can’t recommend SOS Loans enough!”
“I have used SOS multiple times over the last 5-7 years. They are very fast, efficient, and friendly.”
“SOS loans made getting my personal loan very fast and easy! I appreciate the use of different communication modalities to get my loan with my busy schedule as well! Thank you SOS for helping me out in a bind 🙏”
“SOS Loans has the BEST customer service! They took care of all my worry. Whenever I had a need they were right there to solve it. Their process is really confidential, safe, and easy.”
“S.O.S. Loans provides excellent customer service. The application and approval process is both simple and efficient. They will work with you to align due dates. And are very responsive to all requests. A pleasure to do business with.”
“I applied for a loan and was approved the same day!! I was able to get my money within 24 hours. Great rates on loans as well. 10/10 would recommend if looking for a loan with low credit.”
Top California home equity loan FAQs
What is a home equity loan?
How much can I borrow?
Will checking my rate affect my credit?
How fast is funding?
What can I use a home equity loan for?
Your equity loan is handled by
H. Frank Stiebel · NMLS #2236554
Ready to leverage your home equity?
Take the guesswork out of your home’s worth and find out exactly how much cash you can access. Tap the link below to get your fast online quote, or connect with an S.O.S. Loans expert right now by phone or text message.
Get my home equity loan quote