HELOC or Cash-Out Refinance: Which Is Right for Me?
Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose?

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PRODUCT | CONTACT NUMBER | HOURS |
|---|---|---|
Personal Banking | Log in to online banking to send a secure message Or call (888) 502-2967 | 24 hours a day, 7 days a week (excluding Thanksgiving Day and Christmas Day) |
Loan Servicing | 8 AM to 5 PM PT Mon-Fri | |
Home Loan Division | 7 AM to 8 PM PT Mon-Fri 8 AM to 2 PM PT Sat | |
Personal Loans | 8 AM to 4:30 PM PT Mon-Fri | |
Auto Refinance | 8 AM to 4:30 PM PT Mon-Fri | |
Small Business Banking | 6 AM to 6 PM PT Mon-Fri | |
Investment Property Lending | 9 AM to 5 PM PT Mon-Fri |
Standard Schedule | 2025 | 2026 |
|---|---|---|
New Year's Day | January 1 | January 1 |
Martin Luther King Jr. Day | January 20 | January 19 |
Washington's Birthday (Presidents Day) | February 17 | February 16 |
Memorial Day | May 26 | May 25 |
Juneteenth National Independence Day | June 19 | June 19 |
Independence Day | July 4 | July 4 |
Labor Day | September 1 | September 7 |
Columbus Day | October 13 | October 12 |
Veterans Day | November 11 | November 11 |
Thanksgiving Day | November 27 | November 26 |
Christmas Day | December 25 | December 25 |
Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose?
Use our mortgage calculator to help you set a realistic budget and determine a perfect home loan fit.
Worried that refinancing your home loan will be too much effort? Check out this guide.