Unlock the power of your home’s equity with a Home Equity Loan (HELOAN). Pay for home improvements, consolidate high-interest debt, or make large purchases – all with a set interest rate and predictable monthly payments.
- Fixed interest rate
- Funds are distributed in one lump sum
- Predictable monthly payments
- 10, 15, or 20-year terms available
Call 1-800-982-2660 to speak with a Home Equity Specialist, contact your local branch, or apply online.
Apply for a new loan with our streamlined online application system.
To schedule a call with a Home Equity Specialist, fill out the form below.
Tri Counties Bank offers HELOANs in California.
Frequently Asked Questions
A HELOAN provides a lump sum of cash secured by your home’s equity. It offers a fixed interest rate and predictable monthly payments for a set term.
A HELOAN is ideal for one-time expenses such as home renovations, debt consolidation, or other major purchases when you prefer stable, consistent payments.
You can choose repayment terms of 10, 15, or 20 years depending on your financial goals and qualifications. Terms and conditions are subject to change.
HELOANs have fixed interest rates, which means your monthly payment remains the same for the life of the loan.
No. There are no annual fees associated with a HELOAN, though closing costs and other fees may apply.
HELOANs are typically offered as a second lien behind your primary mortgage.
Yes. You can pay off your loan at any time without penalty.
Funds can be used for almost any purpose such as home improvements, tuition, or consolidating higher-interest debt.
HELOAN payments may be tax deductible, depending on how you use the funds and IRS regulations. Tri Counties Bank does not provide tax advice. You should consult your tax advisor before making any financial decisions.
You must have sufficient equity in your home, meet credit and underwriting requirements, and satisfy property appraisal standards.
You can apply online at tcbk.com/home-equity, call Customer Service at 1-800-922-8742, or visit your local Tri Counties Bank branch to speak with a Home Equity Specialist.
Quick Contact
In a hurry? Fill out this form and we will contact you when you have more time.
Asterisks (*) indicate required fields.