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Fiscal offers first and second mortgage loans with fixed and variable rates at terms that range from five to 30 years, as well as FHA and VA loans for qualified members. 

To learn more about the options available to you, visit our Real Estate Center.

Home Advantage is a real estate rebate program provided for the benefit of Fiscal members. Don’t buy or sell your home without using this program! Home Advantage delivers a 20% rebate on real estate commissions, which means more cash in your pocket. 

To learn more about this exciting program, click here.

To visit Housing Counseling center, click here

Wondering how to leverage your home's equity to achieve your personal goals?  A home equity loan from Fiscal will put you on the right path.  The following are the key features of this loan:

  • Same-Day Approval
  • Competitive, low rates
  • No closing costs
  • No prepayment penalty
  • Terms of up to 15 years
  • Finance up to 80% of your property’s value minus the first mortgage lien for owner-occupied property
  • Finance up to 70% of your property's value minus the first mortgage lien for non owner-occupied property
  • Minimum loan amount of $10,000 and maximum loan amount of $150,000
  • Interest may be tax deductible*
  • Property must be located in California

To check out the current Home Equity loan rates at Fiscal, click here.

To apply for a Home Equity Loan, click here.

*Contact your tax advisor for more information about the deductibility of interest on a home equity loan.

A Home Equity Line of Credit, or HELOC, provides you with an affordable source of funds using the equity in your home, which is the value of your home minus the amount of existing liens. The following are some of the key features of a Fiscal HELOC:

  • Same-Day Approval
  • Competitive, low variable rates
  • No closing costs
  • No prepayment penalty
  • Reuse your line up to 10 years, and then you have up to 15 years from the date of your last draw to repay your balance
  • Finance up to 80% of your property’s value minus the first mortgage lien if owner-occupied, and up to 70% of the property's value minus the first mortgage lien if not owner-occupied
  • Minimum loan amount of $10,000 and maximum loan amount of $150,000
  • Property must be located in California   

To check out the current Home Equity Line of Credit rates, click here.

To apply for a Home Equity Line of Credit, click here.

*Contact your tax advisor for more information about the deductibility of interest on a home equity loan.

Family in living room

First and Second Mortgage Loans

First and Second Mortgage Loans

Fiscal offers first and second mortgage loans with fixed and variable rates at terms that range from five to 30 years.  Additionally, we offer specialized mortgage loans, such as FHA and VA loans for qualified members.  To learn more about the options available to you, visit our Real Estate CenterYou can search for homes, find a realtor, check out rates, and much more. 

Home Advantage

To visit the Housing Counseling center, click here

Home Advantage

Home Advantage is a real estate rebate program provided for the benefit of Fiscal members. Don’t buy or sell your home without using this program! Home Advantage delivers a 20% rebate on real estate commissions,  which means more cash in your pocket.  Plus, you won’t have to go through the buying and selling process alone; you will be working together with professional Home Advantage throughout the process.  To learn more about this exciting program, click here.

Home Equity Loans

Home Equity Loans

Wondering how to leverage your home's equity to achieve your personal goals? Perhaps, you'd like to consolidate high-interest debt, remodel your existing home or have funds available for unforeseen expenses. A home equity loan from Fiscal will put you on the right path.  The following are the key features of this loan:

  • Same-Day Approval
  • Competitive, low rates
  • No closing costs
  • No prepayment penalty
  • Terms of up to 15 years
  • Finance up to 80% of your property’s value minus the first mortgage lien if owner-occupied, and up to 70% of your property's value minus the first mortgage lien if not owner-occupied
  • Minimum loan amount of $10,000 and maximum loan amount of $150,000
  • Interest may be tax deductible*
  • Property must be located in California 

To check out the current Home Equity loan rates at Fiscal, click here.

To apply for a Home Equity Loan, click here.

*Contact your tax advisor for more information about the deductibility of interest on a home equity loan.

Home Equity Line of Credit

Home Equity Lines of Credit (HELOCs)

A Home Equity Line of Credit, or HELOC, provides you with an affordable source of funds using the equity in your home, which is the value of your home minus the amount of existing liens. Whether you use the funds for home improvements, college tuition, or to consolidate debit…the equity is yours to use how you see fit. You can simply write checks or transfer money from your HELOC to your checking account, and the interest may be tax deductible.* The following are some of the key features of a Fiscal HELOC:

  • Same-Day Approval
  • Competitive, low variable rates
  • No closing costs
  • No prepayment penalty
  • Reuse your line up to 10 years, and then you have up to 15 years from the date of your last draw to repay your balance
  • Finance up to 80% of your property’s value minus the first mortgage lien if owner-occupied, and up to 70% of your property's value minus the first mortgage lien if not owner-occupied
  • Minimum loan amount of $10,000 and maximum loan amount of $150,000
  • Property must be located in California  

To check out the current Home Equity Line of Credit rates, click here.

To apply for a Home Equity Line of Credit, click here.

*Contact your tax advisor for more information about the deductibility of interest on a home equity loan.

HELOC LTV 60% as low as

3.75%APR**

Auto Loans as low as

1.99%APR**

Certificates as high as

1.31%APY**

Checking as high as

0.03%APY**

IRAs as high as

1.31%APY*

More Rates
*APR = Annual Percentage Rate. Rate reflects maximum available discounts. **APY = Annual Percentage Yield. The yield shown is the highest, based on tier, term, and/or other factors.