HOME EQUITY LINES OF CREDIT

Put Your Home's Equity to Work

A HELOC lets you borrow against the equity you've built in your home - to pay off high-interest debt, take on a renovation, or fund a down payment on your next home. Draw what you need, when you need it, and keep your current first mortgage in place.

Free quote · No obligation · Licensed in CA · Hablamos español

Estimate Your Available Equity

Move the sliders to see how much equity you may be able to access and whether your requested line fits.

Estimated Home Value $850,000
$300,000 $3,000,000
Current Mortgage Balance $450,000
$0 $2,000,000
Requested Credit Line $150,000
$25,000 $1,000,000
Estimated Equity You May Be Able to Access
$315,000
Combined Loan-to-Value (CLTV)
70.6%
Your requested line is within our 90% CLTV guideline.

Estimate only, based on up to 90% combined loan-to-value. Your actual line amount depends on your appraised value, credit, income, and other factors. This is not an offer or commitment to lend.

Get Your Free HELOC Quote

Please provide your contact details and we will connect you with one of our knowledgeable loan officers.

MEET THE loan officer

Hey, I'm Enrique!

I’m a California loan officer with Premium Mortgage, and I’ve spent more than 10 years on the processing and underwriting side of mortgage lending. That means I know exactly what it takes to get a loan from application to closing, and I know how to avoid the surprises that slow most people down.

Whether you’re tapping into your equity to pay off debt, renovate, or buy your next home, I’ll walk you through your options in plain English (or Spanish) and make sure you understand every step. Here’s what you can expect working with me:

10+ years of hands-on experience with loan files

Fluent in English and Spanish

Able to shop many different wholesale investors to find the perfect product for you.

Premium Mortgage

Premium Mortgage · 750 B Street, Suite 3130, San Diego, CA 92101 · 619-382-6093

Enrique London, Loan Officer · NMLS #1498682 · CA DRE #02097367

Premium Mortgage · NMLS #1975242 · CA DRE #02077891 · NMLS Consumer Access · Equal Housing Opportunity

Disclaimer: This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and underwriting guidelines. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. A HELOC is secured by your home; failure to repay could result in loss of your home. Consult a tax advisor regarding the deductibility of interest.