Our home equity line of credit and home equity loan products range from stated income to zero cost, 3.95% and below, 125% loans, and up to $300,000!
Let us help you choose the home equity product that is right for you. Apply online easily with our short credit line application.
     
Choose a Product
- Zero Cost Credit Line
- 125% HELOC
- Bad Credit Equity Loan
- Stated Income HELOC

- Calculator

Line of Credit Tools
- What is a Home Equity
     Line of Credit?

- What is a Home Equity
     Loan?

- Home Equity Line of
     Credit vs. Home
     Equity Loan

- How a Home Equity
     Line of Credit Works

- Qualifying Guidelines
- Variable vs. Fixed


Credit Services
- Credit Repair Center

Did You Know...
A Home Equity Line of Credit has several safeguards to protect you as a consumer. One is the Federal Truth in Lending Act, which requires lenders to inform you about the terms and costs of the home equity credit line at the time you are given the application.

Just like all other home refinance loans as well a home equity line of credit allows you a three day right to cancel policy after you have signed your loan documents. You have nothing to lose... with interest rates on the rise for most other types of loans now is a great time to take equity out of your home with a home equity line of credit!
#1 in Credit Lines
A Line of Credit is the way to go!
Equity credit lines have quickly become the most popular way to take a loan out on your home. We go the extra mile to get you the home equity line of credit you need... check out our loan features!
Borrow up to $300,000!
Have Your Cash in 10 Days!
Get 125% of Your Homes Value
No Income Verification!
E-Z Low-Cost Appraisals!

Home Equity Credit lines are easy to qualify for at Security Pacific Financial
.  We have various programs that many lenders don't even want to touch.  For instance ....our 125% HELOC.  We give you the benefit of the doubt by offering you a line of credit for 25% more than your home is worth.

Bad Credit is OK!  We have made it possible for people to get a home equity line of  credit when they never thought it was possible before. We want to invest in your future and not in your past. And, if for some reason we are still unable to get you a loan check out our credit repair center and we'll get you back on the right track!

Things you should know before applying for a equity loan or a home equity line of credit:

1. Find your Homes Value
2. What is the Loan for?
3. How much do you need?

Currently you can find state specific pages that we do business in under this section.

Arizona Home Equity Line of Credit
California Home Equity Line of Credit
Colorado Home Equity Line of Credit
Georgia Home Equity Line of Credit
Idaho Home Equity Line of Credit
Illinois Indiana Home Equity Line of Credit
Missouri Home Equity Line of Credit
Montana Home Equity Line of Credit
Nevada Home Equity Line of Credit
New Mexico Home Equity Line of Credit
Utah Home Equity Line of Credit
Wyoming Home Equity Line of Credit


Equity Credit Line News Center

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Security Pacific Financial other services:

Home Loans Division
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FHA Streamline Refinances

Insurance Division
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Find a Realtor

 
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Mortgage Affiliates:
Security Pacific Financial, California Mortgage, Jumbo Loans, Bad Credit Home Loans, Mortgage Home Loans, Mortgage Home Refinance

FHA Loans and Streamline Refinance Affiliates:
FHA Home Loans, FHA Loan Calculator, FHA Loan Requirements, FHA Refinances

Real Estate Affiliates:
Orange County Real Estate, For Sale by Owner, eProperty Network

Home Equity Affiliates
Home Equity Line of Credit, Home Equity Loan, 125% Loans, Bad Credit Equity Loans, Stated Income HELOC

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