Home Equity Line of Credit

Standalone HELOCs for Bay Area Homeowners

Bay Area homeowners are unlocking $5K–$1M in cash without refinancing their low first mortgage.
Get a fixed APR starting at 5.99%.

Soft credit pull only — checking your rate won't affect your credit score. No obligation

Kimberly Rutherford — Loan Officer

NMLS #2065203 · CO-NMLS #320841

Funding in as fast as 3 days.

Get your custom HELOC rate

Tap the equity, keep your low rate. · Secured by your home's equity

100% Online

Your low rate is your best asset. Don't trade it for cash you can get another way.

Cash-Out Refinance

The old way

✕ Replaces your entire mortgage
✕ Loses your 2%–3% rate
✕ Re-amortizes at today's 6%+
✕ Higher monthly payment

HELOC / Home Equity Line

The smart way

✓ Keeps your first mortgage untouched
✓ Borrow only what you need
✓ Interest-only draw options
✓ Your low rate stays locked

The numbers North Bay & South Bay homeowners are working with.

$1.35M

median Bay Area home value

$1,000,000

up to this line size available

3.00 min

soft-pull rate check — 0 impact on credit

Local, on both sides of the bay

Equity access structured around your mortgage — not against it.

Kimberly Rutherford is a Loan Officer who specializes in helping borrowers pay off high-interest debt, fund home renovations and improvements, get access to emergency cash, and build a liquidity reserve.

North Bay

Petaluma Operational Base

Sonoma · Marin · Napa

South Bay

San Jose Corporate Anchor

Santa Clara · Silicon Valley

Kickstart Kimberly Powered by Loan Factory · NMLS #2065203 · CO-NMLS #320841

Map of the Bay Area showing Petaluma and San Jose coverage

As you pay down your balance, you can redraw for free in the future.

Check Your Offer

Soft credit pull only · No obligation · No impact on your credit score.