REAL ESTATE CENTER

Home Equity Line of Credit (HELOC)

Your home’s equity has plenty to offer.

Get the cash you need by tapping into your home’s equity. A Kinecta Home Equity Line of Credit gives you the flexibility to access your money on your terms:

  • Variable interest rate
  • Only pay interest on the amount you use
  • Borrow up to $500,000
  • There are no fees up to $250K
  • $250K - $500K will require a full appraisal paid by the member
  • Access funds whenever you need them
  • Draw funds for up to 10 years
  • Up to 20-year repayment period
  • Interest may be tax deductible*

Want to learn more?
Contact our mortgage team today!
800-854-4501, Option 1

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* Check with your tax advisor.

APR=Annual Percentage Rate effective December 1, 2018, and may change based on market conditions and borrower eligibility. Variable APR equal to The Wall Street Journal Prime Rate currently 5.25% and a maximum APR of 18.00%. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, combined loan-to-value, and/or property type. Minimum credit line is $20,000. Maximum credit line is $500,000. 10-year draw period followed by a 20-year repayment period. Homeowner’s property insurance is required. Flood insurance may be required. Credit line together with any other mortgage(s) cannot exceed 85% of the property value on 1-unit owner-occupied properties. Non-owner occupied properties are not eligible. Line of credit requests over $250,000 require appraisal. Applicable appraisal fees may vary and range between $450-$650. Consult your tax advisor regarding deductibility of interest and charges. Terms and conditions are subject to change without notice. All loans are subject to credit approval. Membership requirements apply.

Contact Us - 800.854.4501
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Agents are available Monday through Friday between 7:30 AM PST and 7:00 PM PST.


Please call for rates on loans over $2,000,000 and Jumbo Fixed loans.


Mortgage Loan Centers

4041 MacArthur Blvd., Suite 100
Newport Beach, CA 92660
Manager: Erik Jenner
Ph: 866.479.5600
Hours: Mon-Fri 9 a.m. - 5 p.m.
2100 Park Place
El Segundo, CA 90245
Managers: Erik Jenner
Ph: 800.854.4501 Option 5
Hours: Mon-Fri 9 a.m. - 5 p.m.