Home Equity Line of Credit

For inquiries

Please contact:

(800) 562-6392

The Bridge to Home Saver Equity Line of Credit

The Bridge to Home Saver Equity Line of Credit (HELOC) program offers flexibility to easily access available funds now and in the future. Use funds to finance a big purchase, consolidate debt, or fund home improvements. You can withdraw money as you need it and make additional payments in addition to your interest only payment if you choose to.

Our HELOC program features include no prepayment penalty or early closure fee, and the ability to take the available funds as you need them, within the first ten years1. There is no minimum credit score required, if your current credit history of paying bills is as agreed. Find a loan officer in your neighborhood today to learn more about our HELOC program or to start an application.

1Account must be open and in good standing

Program Details:
Purpose: Refinance and Cash-Out refinance
Term: 10 Years Draw + 20 Years Repayment
Maximum Loan Amount $1,500,000
Maximum Loan to Value $0 to $1,000,000 - 60%;
$1,000,001 to $1,500,000 - 50%
Occupancy Owner‐occupied / Second Home / Vacation Home / Investment
Property Type
  • Single Family Residence (1-4 Units)
  • Condominiums
  • Planned Unit Developments
  • Townhomes (1-4 Units)
Eligible Borrowers: Individuals (including married or joint Applicants), LLCs, Corporations, Trusts, Foreign Nationals and Nonpermanent resident aliens allowed
Access Method:
  • Credit line pre-printed checks
  • Access your account through DCB Online Banking2
  • Contact DCB Loan Servicing or local branch for manual advance

2Must have a Desert Community Bank deposit account and sign up for Desert Community Bank online banking.

All rates, fees, products and program guidelines are subject to change or discontinue without prior notice. Other limitations and restrictions may apply. Desert Community Bank is a division of East West Bank. All loans are subject to East West Bank’s application, underwriting, appraisal, and credit approval. Program is available in selected counties of California, Georgia, Massachusetts, Nevada, New York, and Washington. HELOC is not available in the state of Texas.