Unlock the Power of Your Equity
Compare HELOC and Home Equity Loan Options
Discover the right way to tap into your home’s value
Your home isn’t just where you live — it’s also one of your most valuable financial assets. Whether you're planning a remodel, consolidating high-interest debt, paying for education, or simply want to access extra cash, your home’s equity can help make it happen.
At Lumina Real Estate and Lending, we offer flexible financing options designed around your goals — including a fast-access HELOC that can get funds in your hands in as little as five days.
What’s the Difference?
HELOC (Home Equity Line of Credit)
- Borrow what you need, when you need it
- Pay interest only on the amount you use
- Typically features a variable interest rate
- Funds become available again as you repay
- Ideal for expenses that occur over time, such as renovations or tuition
- Select programs offer funding in as little as five business days
Best suited for: Flexible or ongoing expenses, home upgrades, business investments, or having cash available when opportunity strikes.
Home Equity Loan
- Receive a one-time disbursement
- Fixed monthly payments for the life of the loan
- Locked-in interest rate
- Predictable repayment schedule
- Ideal for projects or expenses with a set cost
Best suited for: Debt consolidation, major one-time expenses, large purchases, or when predictability is a priority.
Why Work with Lumina?
- Over 20 years of experience in both real estate and mortgage lending
- Direct, transparent guidance with no fluff or pressure
- Access to competitive rates and exclusive fast-track HELOCs
- Deep knowledge of the Southern California market and lending landscape
Not Sure Which Option is Right for You?
Every situation is unique. That’s why we take the time to understand your goals, equity position, and timeline — then help you compare all your options with clarity and confidence.
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