Home Equity Options in Irvine: HELOC, HELOAN & Cash-Out [2026]
Accessing equity in Orange County's master-planned community
Irvine homeowners have built significant equity in one of Orange County's most desirable cities. With median values around $1.4 million and premium communities reaching $3M+, qualified homeowners can access substantial funds through HELOC, equity loans, or cash-out refinance programs.
Irvine Home Values by Community
| Community | Typical Values | Programs |
|---|---|---|
| Turtle Ridge | $2M-$4M | Jumbo |
| Shady Canyon | $3M-$8M | Jumbo |
| Quail Hill | $1.2M-$2M | Jumbo/HECM |
| Great Park | $1M-$2M | Jumbo/HECM |
| Woodbury | $900K-$1.5M | HECM or Jumbo |
Your Home Equity Options
HELOC
- Credit lines: $50K to $2M+
- Variable rate: Tied to prime
- Draw period: 10 years
- Best for: Ongoing projects, flexibility
Home Equity Loan (HELOAN)
- Fixed rate: Predictable payments
- Lump sum: One-time disbursement
- Best for: Known expense amounts
Cash-Out Refinance
- Replaces first mortgage: With cash out
- Best when: You can improve rate
- Larger amounts: Best for substantial cash needs
Popular Uses in Irvine
- Home improvements: Kitchen, ADU, outdoor living
- Tech professional needs: Stock option exercises, business opportunities
- Education: College funding
- Investment properties: Portfolio expansion
Mello-Roos Consideration
Many Irvine communities have Mello-Roos taxes. These are included in property tax calculations but don't affect equity product eligibility.
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.