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Home Equity Financing 

If you need funds to cover unexpected expenses or to consolidate personal obligations, our equity financing will make your borrowing fast and easy.

Home equity is the difference between the current market value of your home and your outstanding mortgage balance. Since home equity financing is secured by your home, the interest you pay may be 100% tax deductible1. Unlike other consumer financing, the interest rate is considerably lower than what you would pay on credit cards or personal loans.

At Cathay Bank, we offer a variety of home equity financing alternatives with competitive rates, and no-point and no-fee options. You can choose a Home Equity Line2 for greater financial flexibility or a Home Equity Loanas a more traditional means of borrowing.

So, pick up an application today. We'll process your request with the highest priority and give you a FAST credit decision. For more details, please call or visit one of our loan representatives at your nearest Cathay Bank branch.

1 Consult with your tax advisor regarding deductibility of interest.
2 Currently, we are not offering home equity products in Maryland and Texas. To change to a different state/region, click here.

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Consumer Customer Service
6:00 a.m. - 7:30 p.m. Pacific Time, Monday through Friday.

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U.S. customers in Hong Kong can dial toll-free 3710-1400 to contact U.S. Customer Service directly.

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