Home Equity Options in Coronado: HELOC, HELOAN & Cash-Out [2026]
Accessing equity in San Diego's premier island community
Coronado homeowners have built substantial equity in this exclusive island community. With median values around $2.5 million, qualified homeowners can access significant funds through jumbo HELOCs, equity loans, or cash-out refinance. Many residents include military retirees with decades of equity accumulation.
Coronado Home Values by Area
| Area | Typical Values | Programs |
|---|---|---|
| Oceanfront | $3M-$10M+ | Jumbo |
| Coronado Village | $2M-$5M | Jumbo |
| Historic District | $2M-$6M | Jumbo |
| Coronado Cays | $1.5M-$4M | Jumbo |
Your Home Equity Options
Jumbo HELOC
- Credit lines: $500K to $2M+
- Variable rate: Prime-based
- Draw period: 10 years
Jumbo Home Equity Loan
- Fixed rate: Payment stability
- Lump sum disbursement
- Terms: 10-20 years
Cash-Out Refinance
- Replace first mortgage
- Loan amounts to $5M+
- Best for rate improvement
Military Retiree Considerations
Many Coronado homeowners are military retirees who may have paid off previous VA loans and built substantial equity over long careers.
Related Resources
Mo Abdel | NMLS #1426884 | Lumin Lending, Inc. | NMLS #2716106 | DRE #02291443
Licensed in: CA, WA
Equal Housing Lender. All loans subject to credit approval.