Home Equity line of credit

Equity. On Your Terms.

4.25% intro APR¹ for 12 months

You built the equity. Now do something with it. Renovate, consolidate higher-rate debt or fund something big.

Flexible Cash, Whenever You Need It

You’ve built equity in your home. Now you can put it to work for you. A Home Equity Line of Credit (HELOC) gives you flexible access to funds when you need them most. Whether you’re tackling high-interest debt, planning a renovation, or preparing for life’s big moments, a HELOC lets you borrow on your terms.

Unlike a traditional loan, a HELOC works more like a credit card—giving you access to a revolving line of credit based on the equity in your home. Use what you need, when you need it, and only pay interest on the amount you borrow.

Ready to Go?

Getting started is easy. Apply online in just a few minutes and take the first step toward putting your equity to work.

apply now

Still have questions?

Tell us what you have in mind. A Home Loan Consultant can answer your questions and help you explore your options.

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More reasons to choose Frontwave

Keep More of Your Money

No application fees or prepayment penalties.
Keep Your Mortgage

Tap your equity without refinancing your first mortgage.²
Get to "Yes" faster

Local, in-house processing³ helps speed things along.
Real Help. No Runaround.

Get straight answers from local experts.

Want to Learn More?

We’ll help you choose the right fit, whether you’re tackling a big project, consolidating debt, or covering life’s curveballs. Fill out the form, and we’ll follow up with more information and a no-obligation quote.

¹ APR=Annual Percentage Rate. Introductory APR is fixed for the first 12 months from account opening. After the introductory period, the APR will convert to a variable rate based on the Wall Street Journal Prime Rate plus a margin determined by creditworthiness and loan parameters. The APR may adjust monthly. Maximum APR is 12.00%.

² Maximum loan-to-value (LTV) is 85% and subject to credit approval and appraised property value. HELOCs are available only on owner-occupied properties in California and North Carolina, including single-family residences, condominiums, and two-unit properties. Manufactured homes and properties under construction are not eligible. Borrower is responsible for property taxes and homeowners insurance.

³ All home loans are processed at our Oceanside, CA, headquarters.

Frontwave Credit Union is an Equal Housing Lender. NMLS #445243

Additional information:
CFPB HELOC Brochure
HELOC Advance Truth in Lending Disclosure