Second Liens
HELOAN (Fixed Equity Loan) in Tiburon, CA
What is a HELOAN (Fixed Equity Loan)? HELOAN (Fixed Equity Loan) is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Tiburon, CA.
Custom Mortgage arranges HELOAN (Fixed Equity Loan) financing in Tiburon, CA and across Marin County. Marin County's 2026 FHFA conforming loan limit is $1,249,125 for a one-unit home and $2,402,625 for four units, $416,375 above the $832,750 national baseline. Census ACS 2024 data puts the median owner-occupied home value in Marin County at $1,507,300, $258,175 above that one-unit limit.
Median household income there is $149,091 and 65% of homes are owner-occupied (Census ACS 2024).
Key Facts About HELOAN (Fixed Equity Loan)
CMRE HELOCs provide revolving credit lines up to 90% combined LTV.
HELOC rates from CMRE are based on prime plus a margin.
CMRE HELOCs feature a 10-year draw period and 20-year repayment period.
HELOCs at CMRE require no appraisal for lines up to $250,000.
CMRE HELOC funds are available within 10 business days of approval.
CMRE HELOAN (Fixed Equity Loan) offers competitive rates for qualified borrowers.
CMRE processes HELOAN (Fixed Equity Loan) in 21-30 days from application.
CMRE offers cross-collateral options for HELOAN (Fixed Equity Loan).
Program Benefits
Fixed interest rates ensure predictable monthly payments.
Access funds for home improvements, debt consolidation, or large purchases.
Utilize your home's equity without refinancing your existing mortgage.
Flexible loan amounts to suit a variety of needs and projects.
Simplified application process with CMRE's expert guidance.
Potential tax benefits (consult your tax advisor).
Program Highlights
Max LTV
90%
Min Credit Score
680
Max DTI
50%
Loan Amount Range
Varies based on equity and creditworthiness
Amortization Options
Eligible Properties
- Single Family
- Townhouse
- Condo
Program Requirements
Income Documentation
- •Stable employment history with verifiable income.
- •Sufficient income to cover existing debts and the new HELOAN payment.
- •Documentation such as pay stubs, W-2s, and tax returns may be required.
- •Self-employed borrowers may need to provide additional documentation, such as profit and loss statements.
Asset Verification
- •Verification of assets to demonstrate financial stability.
- •Acceptable assets include savings accounts, investment accounts, and retirement funds.
- •Sufficient assets to cover closing costs and any potential financial setbacks.
- •Documentation such as bank statements and investment account statements will be required.
Insurance & Title
- •Maintain adequate homeowner's insurance coverage.
- •Proof of flood insurance may be required if the property is located in a flood zone.
- •Lender may require hazard insurance to protect against potential losses.
- •Ensure the insurance policy covers the loan amount.
Property Requirements
- •Minimum FICO score of 680 required.
- •Review of credit history to assess creditworthiness.
- •A strong credit history with minimal delinquencies or defaults is essential.
- •Debt-to-income ratio will be evaluated to ensure affordability.
HELOAN (Fixed Equity Loan) in Tiburon: The Complete Guide
What Is HELOAN (Fixed Equity Loan)?
A HELOAN, or Home Equity Loan, allows you to borrow against the equity you've built in your home. Unlike a Home Equity Line of Credit (HELOC), a HELOAN provides a lump sum of cash upfront with a fixed interest rate and repayment term. This makes it an ideal option for borrowers who prefer the stability of fixed payments and have a specific funding need.
When to Use HELOAN (Fixed Equity Loan)
- •Home improvements and renovations that increase property value.
- •Debt consolidation to pay off high-interest credit cards.
- •Down payment for investment property.
- •Business capital for self-employed borrowers.
- •Preserving your existing low first mortgage rate.
HELOAN (Fixed Equity Loan) vs. Cash-Out Refinance
- •Cash-out refi replaces your first mortgage — old rate is gone.
- •HELOAN (Fixed Equity Loan) keeps your first mortgage intact and adds a second lien.
- •If your rate is below 5%, a second lien almost always makes more sense.
- •CMRE runs both scenarios to determine which saves you more.
Apply for HELOAN (Fixed Equity Loan) with CMRE
- •Step 1: Estimate your home equity — CMRE provides quick estimates.
- •Step 2: Application and credit check — CMRE evaluates combined LTV.
- •Step 3: Appraisal (full, desktop, or AVM).
- •Step 4: Underwriting in 2-3 weeks.
- •Step 5: Access funds at closing.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Marin County at a glance
- Conforming loan limit (1 unit)
- $1,249,125
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $2,402,625
- Source: FHFA, 2026
- Above the national baseline by
- $416,375
- Source: FHFA, 2026
- Median owner-occupied home value
- $1,507,300
- Source: Census ACS 5-year, 2024
- Median household income
- $149,091
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 65%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 10.1
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: MARIN
MARIN, CA is a designated high-cost area with limits above the national baseline of $832,750.
1-Unit (SFR)
$1,249,125
2-Unit (Duplex)
$1,599,375
3-Unit (Triplex)
$1,933,200
4-Unit (Fourplex)
$2,402,625
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
HELOAN (Fixed Equity Loan) in Tiburon, CA
Premium mortgage lending services in Tiburon, CA. We specialize in jumbo loans, conventional financing, and custom programs for high-net-worth borrowers.Custom Mortgage & Real Estate specializes in providing high-fidelity HELOAN (Fixed Equity Loan) solutions tailored to the unique economic landscape of Tiburon and the surrounding Marin County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireTiburon metropolitan area.
Service Areas & Neighborhoods
Our Tiburon Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About HELOAN (Fixed Equity Loan) in Tiburon
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). HELOAN (Fixed Equity Loan) rates in Tiburon vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. Pre-approvals are issued within 24 hours of a complete application.
All residential neighborhoods in Tiburon and Marin County qualify for HELOAN (Fixed Equity Loan) through CMRE. Single-family homes, condos, townhomes, and 2-4 unit properties are eligible.
Yes. CMRE offers first-time homebuyer programs in Tiburon including down payment assistance, 3% down conventional, and FHA 3.5% options. California buyers may also qualify for CalHFA down payment assistance programs.
See all HELOAN (Fixed Equity Loan) questions and program details
HELOAN (Fixed Equity Loan) by Location
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Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
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"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
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