Powerful Debt Relief Options Accessing Your Home's Equity

Home Equity Loan Solutions that Put YOU in Control

If you’re carrying $50,000 or more in credit card or personal loan debt, it’s time to seriously consider a smarter, more cost-effective solution. Interest rates for credit cards and unsecured loans are now routinely above 22% APR— and rising —making your debt harder to pay off month after month.

With a CalTAP PLUS home equity loan or line of credit, you can consolidate high-interest debt into one manageable, low-rate payment by leveraging your home’s equity. This means thousands in savings and greater financial control, all while keeping your low-rate first mortgage intact.

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CalTAP PLUS Home Equity Loan
(2nd Mortgage)

1. Fixed interest rates starting as low as 7.125%, based on qualifying credit, equity, and chosen terms.
2. No appraisal required for loans up to $250,000.
3. Flexible loan terms from 10 to 30 years, tailored to fit your goals.
4. Borrow up to 85% of your combined home value—maximum loan of $500,000.
5. Receive your funds in as little as 10 days for quick relief.

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CalTAP PLUS Home Equity Line of Credit
(HELOC)

1. Credit limits up to 89.99% of your home's appraised value.
2. Interest-only payments are allowed for up to 10 years, maximizing monthly cash flow.
3. Minimum credit line: $100,000; Maximum: $500,000.
4. Free home appraisal valuation for qualified applicants

With both options, you gain access to the flexibility and affordability you need—without the hassle or risk of refinancing your existing first mortgage. Proceeds can be used for debt consolidation, home improvements, large purchases, or any personal need, our home loan solutions are designed to put you in control.

Take Action for Maximum Savings:

High-interest debt is draining. By consolidating with CalTAP PLUS, you can dramatically decrease your payments and pay off your debt faster and more efficiently.

Get a Secure Quote today!