Home Equity Loans & Cash-Out Options in Santa Clara County
Your home is likely your largest asset. Chris Johnson helps Bay Area homeowners tap into that equity strategically — whether you want to consolidate debt, fund a renovation, cover a major expense, or invest in another property.
Three ways to access your equity
- 1
Cash-Out Refinance
Replace your existing mortgage with a new, larger loan and take the difference in cash. Best when current rates are close to your existing rate.
- 2
Home Equity Line of Credit (HELOC)
A revolving credit line secured by your home. Draw what you need, when you need it. Interest only on what you use.
- 3
Home Equity Loan
A second mortgage with a fixed rate and fixed payment. Good for one-time large expenses.
Which option is right for you?
Cash-Out Refi
HELOC
Home Equity Loan
Rate type
Fixed or adjustable
Variable
Fixed
How funds are received
Lump sum at closing
Draw as needed
Lump sum at closing
Best use case
Large need + rate makes sense to refi
Ongoing or unpredictable expenses
One-time large expense
Impact on existing mortgage
Replaces your current loan
Second lien, first stays in place
Second lien, first stays in place
Frequently asked questions
Ready to put your equity to work?
No pressure, no jargon — just a straight conversation about which option fits your goals.
Talk to Chris About Your Equity Options