Your estimated equity first — your contact info after. Most homeowners here are sitting on six figures they've never looked at.
“The amount he quoted me was the amount I walked away with.” — Yana S., Google review
★4.9 on Google500+ reviewsNMLS #2381991Checking your estimate won't affect your credit.
Estimated equity
$540,000 – $610,000
An example. Type your address above to see your own.
Four conversations we have every week. None of them are character flaws — they're math problems, and the math usually has more room in it than people think.
The rate lock
“I need cash for the house, but I'm not giving up my 3% to get it.”
You don't have to. A HELOC sits behind your current mortgage as a separate second lien — the rate you locked stays exactly where it is.
Card balances
“Three cards, three due dates, and the balances never seem to move.”
Minimum payments keep you current — they don't get you out. One payment instead of five, at the kind of rate cards can't touch, using equity you already own.
22.15% — average card APR assessed interest (Federal Reserve G.19, May 2026)
The project list
“The kitchen, the ADU — it's been 'next year' for three years.”
California's most common use of equity: fund the build from the house itself, not your savings. Waiting has a cost too — contractor calendars and material prices don't hold still.
Investor paperwork
“My tax returns say no. My rentals say yes.”
DSCR loans qualify on the property's rent, not your write-offs. Built for how investors actually file.
Run my numbers →TWO SLIDERS, NO SIGNUP
Drag to your rough numbers — nothing is saved, sent, or pulled. The full estimate adds your programs and a licensed officer's read.
Home worth, roughly
$500,000
Left on the mortgage
$250,000
EQUITY YOU COULD ACCESS
$175,000
of $250,000 total equity · up to 85% combined loan-to-value
Estimates for illustration — not a loan offer, rate quote, or commitment to lend.
Eight loan products. Many lenders behind them. Tap the goal that sounds like you.
4.9 on Google across 500+ reviews — most of them mention a person by name.
See all reviews on Google →Kaeli Orlin made what could have been a stressful process incredibly smooth and easy. From the very beginning, she was patient, professional, and truly took the time to explain every part of the HELOC loan.
Your California branch
Tarek has led our California branch for six years — and still answers his own phone. He and his team of licensed loan officers will tell you plainly whether a HELOC beats a cash-out refi.
Our process
You see your estimated equity before we ask who you are — and nothing moves forward until you say so.
Check my equity — 60 seconds(949) 994-8231Mon–Sat, 8am–6pm PTAbout the home, not you. No documents.
An estimate, not a commitment — and it's yours to keep either way.
A bank offers its own menu; we bring back compared options. If nothing beats your current setup, we say so.
Real program options, no score impact, and we tell you before anything happens.
Most steps online. Your first mortgage stays exactly as it is.
About the home, not you. No documents.
An estimate, not a commitment — and it's yours to keep either way.
A bank offers its own menu; we bring back compared options. If nothing beats your current setup, we say so.
We'd rather tell you now than after a call.
Usually a fit
Usually not
Investors
10 secondsMonthly rent ÷ monthly payment — see your deal's DSCR on a gauge, the way a lender reads it.
Prefer a call instead?
A few quick questions now mean the licensed loan officer from the Federal First team who calls you starts at specifics — not from zero.
Answers are general information, not loan terms.
No credit impact to check. No obligation.
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NMLS #2381991 · Consumer Access ↗
