North Highlands is an unincorporated Sacramento County community next to McClellan Park, the former Air Force base that is now one of the region's largest business parks. We help North Highlands buyers, homeowners and investors with FHA, VA, conventional and rental property financing. A home equity line of credit in North Highlands lets homeowners borrow against their equity as needed, repay, and borrow again during the draw period, all while leaving the existing first mortgage untouched. Pacific National Lending brokers HELOCs through multiple lenders so North Highlands homeowners can compare rates, limits and terms.
Call Pacific National Lending for a home equity line of credit in North Highlands: (916) 526-2700
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North Highlands is one of the most affordable communities in Sacramento County, which makes it a first stop for first-time buyers, FHA and VA borrowers and investors looking for rentals. Many homes date from the 1950s and 60s, so condition-related appraisal issues and renovation financing come up often. Qualifying for a HELOC in North Highlands depends on your equity, credit score and income. Most lenders allow combined borrowing up to 80 to 90 percent of the home's value across the first mortgage and the HELOC, with the best pricing for strong credit and lower combined loan-to-value ratios.
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Housing is mostly single-family homes built between the 1950s and 1970s around Watt Avenue, Elkhorn Boulevard and Madison Avenue, with some 1980s and 90s subdivisions on the north side and duplexes and small multi-unit properties throughout. The most common HELOC uses in North Highlands are kitchen and bath remodels, adding an ADU or pool, consolidating higher-interest debt, funding a business or making a down payment on an investment property. Interest on funds used to improve the home may be tax deductible; consult your tax advisor.
To see how much equity you could access with a HELOC on your North Highlands home, call (916) 526-2700 or apply online. We will compare lenders and give you a clear answer with no obligation.
Our a home equity line of credit clients in North Highlands come from McClellan Park, Watt Avenue corridor, Elkhorn Boulevard, Larchmont and every other part of north Sacramento County. North Highlands is about twenty-five minutes from our Gold River office.
For a home equity line of credit in North Highlands, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: HELOC · All loan options · Purchase · Refinance · Today's rates
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