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Flexible funds for life’s major decisions.

Whether you’re looking to add an extra bedroom, to remodel the backyard, or pay for your child’s college expenses, 1st Nor Cal can help you get the most from your home’s equity.

A Home Equity Line of Credit (HELOC) works as a revolving line of credit, which means you’ll have the funds you need, when you need them, to help make those big changes in your life a success. Best of all, you only pay interest on what you actually use!

  • Low Closing Costs
  • No application fee
  • No annual fee
  • Low initial draw 
  • Lines up to $200,000
  • Borrow up to 70% of the equity of your home
  • 25 year term

Please review and check off each of the following resources before clicking Apply Now:


Rates and terms are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable). Rates shown are based on a borrower’s primary residence, a maximum CLTV of 70%, a minimum initial draw of $1,000 taken at HELOC account opening, and automatic transfers from a 1st Nor Cal personal savings or checking account. Consult a tax professional regarding the potential deductibility of interest. 1st Nor Cal only offers HELOCs in California. Membership at 1st Nor Cal is required by opening a minimum $5 share savings account prior to HELOC account opening.

NMLS ID: 588048