NO REFINANCE NEEDED! KEEP YOUR CURRENT LOW RATE.

Apply for a Top-Rated California HELOC | Funding Up to $750k

Work with California’s most trusted home equity lenders. Start your secure online application and check your custom funding options in 60 seconds.

🔒 No impact on your credit score to check eligibility.


Fast Approvals & Funding in Days, Not Weeks.

Apply Online For Fast, Flexible Funding.

Access up to $750k in as little as 7 days. Cash-in-hand, not contractor-controlled.

🔒 No impact on your credit score to check eligibility.

Fast Cash-Out Financing

Get funded in days: Use your equity for a fast, low-cost cash-out solution.

Access up to $750,000: Secure the large-scale flexible financing you need to achieve your goals.

Protect your rate: Achieve all of this without touching your current low mortgage rate.

1st & 2nd Position HELOCs

Replace your current mortgage entirely: Use a 1st position HELOC to pay off your existing loan.

Access a massive revolving line of credit: Draw exactly what you need, when you need it.

Gain ultimate control: Only pay interest on the exact amount you draw, and reuse your line as you pay it down.

ADU & Home Improvement Loans

Fund major renovations: We specialize in fast home improvement loans and ADU financing.

Secure competitive California rates: Use your home's equity to lock in funding before your project begins.

Negotiate like a cash buyer: Get the cash-in-hand to deal directly with contractors.

🔒 No impact on your credit score to check eligibility.

Calculate Your Monthly Payment Savings

See your "Net Effective Payment" when you use cash-out funds to lower your monthly bills.

Borrow up to $750k against your home's equity.
Enter $0 if using funds purely for home improvement.
New HELOC Payment: $1,250
Less: Bills Eliminated -$1,800
Total Monthly Savings $550
for $200,000 in funding.

*Your primary mortgage remains untouched. "Net Monthly Cost" is the difference between your new loan payment and the monthly bills you eliminate.

🔒 No impact on your credit score to check eligibility.

Real Results for California Homeowners

As a Vietnam veteran with three Purple Hearts, two Bronze Stars, and a Silver Star, I am most grateful to Guardian Capital for going above and beyond. They helped me successfully unlock the equity in my home without the hassle, and I can now enjoy my life in leisure and peace.
John Lang, San Diego, CA
U.S. Army, Retired. 16th Infantry Regiment

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See How Much Equity You Can Access

Step 1 of 3 - Loan Goals

Loan Goals

Up to $750,000