Home Equity Loan

Home Equity Loan

Tap into your home's equity and free up the cash you need for any major purchase or project. A fixed rate home equity loan from Bay Area can help you finance home improvements, consolidate debt, and much, much more.

Our experienced loan officers will work with you to keep your payments affordable. The funds you need are already within reach — let us help you get what you need, today!

View our current rates.

Fixed Rate Loan
  • Use to finance major expenses
  • Competitive fixed rates that never changes
  • Paid in one disbursement
  • Easy repayment options
  • Set payment with no surprises
  • Local decisions for fast processing
  • Automatic payments may be made from your Bay Area account or from another financial institution
  • Manage your loans via It'sMe247 banking, mobile banking, or by phone
  • Interest typically tax deductible*

*Consult a tax advisor


Line of Credit

This open-end line of credit is also based on the value of your home, but allows you the flexibility to use and re-use as you pay it down. Once approved, you won't need to apply again. The credit is yours to use when you need, as you need!

  • Perfect for immediate cash needs
  • Competitive variable rates
  • Re-use as needed without re-applying
  • Only pay interest on what you use
  • Automatic payments may be made from your Bay Area account or from another financial institution
  • Local decisions for fast processing
  • Manage your loans via It'sMe247 banking, mobile banking, or by phone
  • Interest typically tax deductible*

*Consult a tax advisor