California Bank & Trust can help you put your equity to work; whether you have equity in your home, your second home or your investment/rental property.Our home equity lines of credit offer flexible loan amounts and flexible repayment terms, ideal for home improvement projects or bill consolidation.
$10,000 - $500,000+
Variable interest rate
A reduction of up to 0.50% off your variable interest rate:
0.25% discount for maintaining automatic payment from a CB&T Checking Account
0.25% Relationship Discount Pricing Program –Customers having other banking relationships with CB&T may be eligible for an additional discount of 0.25%. Automatic payment from a CB&T Checking Account is also necessary for the relationship discount.To learn more about the requirements to qualify for this discount, please contact your local branch or TeleLoan at 1-800-429-7685 for details.
Tax Deductible Interest
The interest rate you pay may be tax deductible. (Consult your tax advisor regarding the deductibility of interest.)
How to Apply
Contact your branch for details or call TeleLoan * at 1-800-429-7685.
Please have this information ready when you call TeleLoan:
Social Security Number and date of birth (borrower and co-borrower)
Home address and phone number/mailing address if different from home
Previous address if at residence for less than 2 years
Two-year employment history, plus employer(s) names/phone numbers
Gross monthly income
W-2 (1 year) and current pay stubs; if self-employed, last 2 years' tax returns
Value of collateral (i.e. real estate, stock, savings account, etc.)
Copies of real estate deed(s) or current loan statement(s)
Name/phone number of nearest relative(s) not living with you
All loans subject to credit approval.Restrictions apply, see banker for details.
If you are a DirectNETSM Consumer Online Banking customer and have applied for a Consumer Loan online, check the status of your pending application.