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About Federal Equity Finance

Built to Help California Homeowners Rebuild

Tackling home repairs or a rebuild can be stressful, especially if your insurance company has delayed or denied your claim. That’s where Federal Equity Finance can help you out with our home equity solutions. We provide a direct path for home equity loans in California, so you can access the money you’ve already built up in your property.

We work with you as your financial guide. Our California home equity loan and line of credit allow you to fund those critical projects, cover major expenses, or refinance your property. Our focus is on helping homeowners who feel stuck after being let down by their insurers. We’re here to provide a clear, straightforward financing solution to help you move forward with clarity.

Our Mission

To empower California homeowners with fast and fair access to emergency equity financing when insurance companies deny or delay their claims, and to find real pathways for recovery after setbacks.

Who We Are

A future where no homeowner is left stranded after a disaster, where equity and insurance work together to ensure every family can rebuild, relocate, or restore their home with dignity, speed, and support.

Our Promise

We’ll always prioritize your equity over your credit, act with transparency, and move quickly because when your home is at stake, you deserve a partner who says “yes” when others say “no.”

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Supported by of Bank of America

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Counties Across California Trust Us

How To Secure Your California
Home Equity Loan

Reach Out to Our Team

Apply by sharing a few details about your home, income, and current mortgage.

Get Your Home Equity Assessed

We’ll assess and give a clear breakdown of the available funds, loan terms, & repayment options.

Review and Approve Your Offer

Once eligibility is confirmed, you can review and approve your personalized loan offer at your own pace.

Access Your Funds

You get your funds, often within days, so you can use them to rebuild, remodel, or refinance your home.

Denied by Your Insurance? Get a California Home Equity Loan That Works

When your homeowner’s insurance denies your claim after a fire, earthquake, or structural damage, it can feel like the door has slammed shut. You’re left wondering how to rebuild your home, or even buy a new one.

Federal Equity Finance is a company that gives several emergency equity solutions for California homeowners who have been refused by insurance companies. Our home equity loan financing is exclusive as it is secured through your existing insurance policy. So, it allows you a quick and safe access to the money you need, irrespective of the decision made by your insurance company.

Our Home Equity Solutions for Californians

Emergency Lines of Credit

When unexpected disasters strike and your insurance coverage isn’t enough, an emergency line of credit can be a lifeline. This financing is designed for homeowners who need immediate access to funds for urgent repairs or temporary housing due to unforeseen property damage.

Renovation and Rebuilding Loans

Whether you are planning a complete rebuild of your property or a significant remodel to increase its value, our renovation loans provide the necessary capital. We offer structured financing to ensure your project moves forward without delays, helping you create the home you envision.

Equity-Based Refinancing

You can refinance using home equity to improve your overall financial situation. This option can be used to consolidate high-interest amounts overdue from credit cards or other loans into a single, more manageable monthly payment, or to refinance your existing mortgage under more favorable terms.

General Eligibility for a Home Equity Loan

We believe every homeowner deserves an opportunity to access their equity, but there are a few basic requirements to get started.

You May Qualify If:

  • You’re a California homeowner with available home equity.
  • You have a current property insurance policy (or can provide one).
  • You need financing for rebuilding, remodeling, or refinancing.
  • You’ve faced an insurance claim denial but still need funds for recovery.

What You’ll Need:

  • A recent mortgage statement or property appraisal.
  • Proof of ownership and identification.
  • Basic income documentation to determine affordability.

Even if your situation feels complicated, don’t worry. Our team will help you understand all your options. You might qualify for financing home equity in California even if traditional lenders have said no.

Ready to Apply? Talk to a Home Equity Specialist!

Call Now 1-800-269-3084

Find Out Your Home Equity
Loan Options

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Frequently Asked Questions

What is a home equity loan, and how does it work in California?

A home equity loan is a type of loan that lets you borrow money that is the same as the value of the equity in your home. You receive a lump sum amount that you can use for repairs, remodeling, or consolidating debt. You’ll then repay the loan through fixed monthly payments.

Can I refinance using home equity if my insurance company denied coverage?

Yes. Federal Equity Finance helps homeowners who’ve been denied coverage by offering home equity loan financing options protected under certain insurance policies.

What makes you the best company for home equity loans in California?

Our resolution of being open and honest, financing rapidly, and having a thorough comprehension of California’s housing and insurance problems has made us a reliable option for all homeowners in the state.

Are these loans covered under homeowners' insurance?

In many cases, our emergency equity lines of credit are protected under homeowners’ insurance, helping cover rebuilding or remodeling costs.

What are the general requirements for a home equity loan in California?

Generally, you need to be the homeowner, have sufficient equity (usually 20%+), a stable source of income, and a reasonable credit history. We review each application on a case-by-case basis.

How long does the approval process take?

Most homeowners receive approval within just a few business days once the required documentation is provided.