California HELOC Rates | Fund Your ADU or Remodel | No Appraisal Options
By S.O.S. Loans
- HELOC California
- ADU Financing
- No Appraisal Home Equity Line
- Home Renovation Loan
- Credit Union Alternative
- Second Mortgage Rates
The "No Appraisal" HELOC for California Homeowners
Access up to $400,000 without an inspection. Up to $750,000 total line.
Check Eligibility »
Why Wait for an Appraiser?
Big banks are backed up. Scheduling an appraisal can take 3 weeks. At S.O.S. Loans, we use Automated Valuation Models (AVM) to approve HELOCs under $400,000 instantly. No strangers in your house. No waiting.
🏗️ The Perfect ADU Loan
California's laws have made building an Accessory Dwelling Unit (ADU) easier than ever. A HELOC is the perfect tool to fund it:
- Interest-Only Payments: Keep costs low during construction.
- Draw As You Go: Only pay interest on the cash you use to pay contractors.
- Rental Income: Once built, the ADU rent often covers the HELOC payment!
S.O.S. Loans vs. Credit Unions
Credit Unions are great, but they are slow. We fund in as little as 5 days. If you have a contractor ready to start next week, you can't afford to wait 45 days for a bank.