Home Equity Loans and Lines of Credit

Home renovations? Education expenses? Major purchases? For many people, the most cost-effective way to access needed funds is to use the equity in their home. Interest rates are usually lower than credit card rates and other consumer loans, and the interest paid can be tax deductible.*

Home Equity Loans


Money from a home equity loan can fund home remodeling, renovation, construction, debt consolidation or whatever you want. You receive the full amount of the loan when you close, which is ideal for those times when you need your money right away.

Lines of Credit


You can use a home equity line of credit for the same projects as a home equity loan. Once approved, the full amount is available to you, but you only use what you need, when you need it. You pay finance charges only on the amount you use, and as you pay it off, the loan amount you paid off is once again available for you.

Which Option is Best?


You don't have to navigate the choices alone. Our Residential Loan Consultants will assess your financial needs and design a loan or line that fits you today and tomorrow. Choose from a variety of terms and repayment options. So why wait? Start planning your project today and let us help you make it happen.

Use your home to get the money you need.

Contact a Sterling Residential Loan Consultant at 415-970-9889.

* The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Please consult a tax advisor regarding the deductibility of interest and charges. Loans subject to approval. Rates and programs subject to change without notice.