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San Francisco homeowners have built serious equity over the years. A HELoan lets you borrow against that equity as a lump sum at a fixed rate.
Fixed payments make budgeting straightforward. You know exactly what you owe each month for the life of the loan.
620
Min Credit Score
80%
Max Combined LTV
Fixed
Rate Type
Lump Sum
Payout Structure
5 – 30 Years
Typical Loan Term
Home Equity Loans (HELoans) in San Francisco
Most lenders want at least 20% equity remaining after the loan. That means your combined loan balances can't exceed 80% of your home's value.
Credit score requirements typically start at 620. Better scores get better rates — rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect home equity loans (heloans) eligibility, lender expectations, and local market factors before comparing payment options in San Francisco.
San Francisco homeowners have built serious equity over the years. A HELoan lets you borrow against that equity as a lump sum at a fixed rate.
Fixed payments make budgeting straightforward. You know exactly what you owe each month for the life of the loan.
Most lenders want at least 20% equity remaining after the loan. That means your combined loan balances can't exceed 80% of your home's value.
HELoans are offered by banks, credit unions, and wholesale lenders. Terms, rates, and fees vary widely across them.
We shop 200+ wholesale lenders to find who's pricing HELoans aggressively right now. Retail banks rarely show you that competition.
San Francisco properties carry high values. That means large equity balances — but lenders still cap how much you can pull out.
Don't assume your bank gives the best deal. I've seen wholesale lenders beat local bank rates by half a point on the same borrower file.
A HELOC gives you a revolving credit line with a variable rate. A HELoan gives you one lump sum at a fixed rate — two very different tools.
If you know exactly how much you need, a HELoan wins on predictability. HELOCs work better for ongoing or uncertain expenses.
SF's high property values mean strong equity positions for longtime owners. Many borrowers can access six figures without touching their first mortgage.
As of April 2026, appraisals in SF require local market knowledge. A low appraisal can shrink your available equity fast — lender selection matters.
Most lenders cap at 80% combined loan-to-value. In SF, high property values often mean large available equity amounts.
No. A HELoan is a second mortgage. Your first loan stays exactly as-is.
It can be, if funds are used for home improvements. Talk to a tax advisor — your situation determines eligibility.
Typically 3 to 6 weeks. Appraisal scheduling and title work are usually the longest steps.
Condos are generally eligible. TIC properties are harder — fewer lenders accept them as collateral for second mortgages.
Most lenders start at 620. Scores above 740 typically get the most competitive rates — rates vary by borrower profile and market conditions.