Compare home equity loans, mortgages and personal loans from more than 30 lenders, with local advisors who explain every number before you sign.
See real rates in minutes with no impact on your credit score.
One application, many offers, laid out side by side in plain English.
Meet us on El Camino Real or by video. A real person answers every call.
From a quick personal loan to a full wealth plan, each service is built to help you borrow less, pay less and keep more.
Fixed rateFixed-rate personal loans from $5,000 to $75,000 for renovations, medical bills, weddings or consolidating higher-cost debt, with one predictable monthly payment.
Revolving creditFlexible lines of credit and credit-builder loans that give you access to funds when you need them and help you raise your score along the way.
Home & equityPurchase mortgages, refinancing, home equity loans and HELOCs, structured around your budget so you can buy, improve or unlock the value in your home.
Long-term growthGoal-based investment plans that balance paying down debt with building wealth, from retirement accounts to diversified portfolios.
Keep moreYear-round tax planning for households and small businesses, including mortgage interest deductions, investment taxes and quarterly estimates.
ProtectionLife, disability, homeowners and mortgage protection coverage that keeps your family and your home secure if the unexpected happens.
Move the sliders to estimate the equity you could borrow and what a fixed-rate home equity loan might cost each month.
Estimates only. Your actual offer depends on appraisal, credit and income.
You own 38.9% of your home today.
Get My Real Rate →For illustration only. Not a loan offer or commitment to lend.
Share your goal, budget and timeline in a free 20-minute call or office visit.
We run a soft check and bring back offers from multiple lenders, ranked by total cost.
Choose your offer, lock your rate and upload documents through a secure portal.
Sign, fund and get a payoff plan that fits your wider tax and wealth strategy.
Most lenders sell the product they have. We start with your full picture, including your debts, taxes, insurance and long-term goals, and only then look for the loan that fits.
A quick look at the four ways homeowners most often turn equity or credit into cash.
| Feature | Home Equity Loan | HELOC | Cash-Out Refinance | Personal Loan |
|---|---|---|---|---|
| How you receive funds | Lump sum | Draw as needed | Lump sum with new mortgage | Lump sum |
| Rate type | Fixed | Usually variable | Fixed or adjustable | Fixed |
| Secured by home | Yes | Yes | Yes | No |
| Typical term | 5 to 30 years | 10-year draw, 20-year repay | 15 to 30 years | 2 to 7 years |
| Best for | One large project Popular | Ongoing or staged costs | Lowering your first mortgage rate too | Smaller needs, no home equity |
“We used a home equity loan to finish our kitchen and pay off two credit cards. Equity Wave showed us three lenders side by side, and our payment is lower than the cards alone used to cost.”
“As a first-time buyer in Palo Alto I was overwhelmed. My advisor explained every number on the loan estimate and helped me lock my rate a week before rates jumped.”
“Their tax advisor caught that our HELOC interest was deductible because we used it for the addition. That alone paid for the time we spent with them.”
“I needed a personal loan quickly for a family emergency. I had a decision the next morning and the funds two days later, with no pressure and no hidden fees.”
“We refinanced and reviewed our life insurance in the same month. Having one team look at the loan and the coverage together gave us real peace of mind.”
“The credit-builder plan worked. Eight months later my score was up 74 points and I qualified for a much better rate on my car loan.”
Your monthly payment stays the same, but what it pays for changes every month. Here is how amortization works and how to use it to save thousands.
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Lenders size your loan, your rate and even your insurance costs around one number. Learn how loan-to-value ratio works and how to improve yours.
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Rates can move between your offer and your closing day. A rate lock freezes your number, but timing, length and fees all matter.
Read article →Still curious? Call us at +1 650-323-9190 or send a note through the contact form.
Most lenders allow a combined loan-to-value of 80% to 85%. Multiply your home value by that limit and subtract your mortgage balance to estimate your available equity. Our calculator above does this for you.
A home equity loan pays a lump sum with a fixed rate and payment. A HELOC is a revolving line you draw from as needed, usually with a variable rate and interest-only payments during the draw period.
No. We start with a soft credit inquiry, which does not affect your score. A hard inquiry only happens once you choose a lender and formally apply.
Personal loans can fund in two to three business days. Home equity loans and refinances usually close in two to five weeks, depending on the appraisal and title work.
Your first consultation is free. When we arrange a loan, our compensation comes from the lender and is disclosed on your loan estimate. Planning and tax engagements are quoted upfront at a flat fee.
Yes. Our office is at 2103 El Camino Real, Palo Alto, CA 94306, USA. We are open weekdays from 9:00 AM to 6:00 PM and Saturdays from 10:00 AM to 2:00 PM, and video meetings are always available.
Book a free review and get a written summary of your equity, your options and the lowest-cost way to reach your goal.
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