Loans by Lou
Questions? (747) 227-7878
California Homeowners

Turn high-interest debt into one lower payment — using equity you've already built.

If you own a home in California, you may be able to consolidate credit cards and loans, fund a renovation, or free up cash — without touching your first mortgage. See what you qualify for in about 2 minutes.

No impact to your credit to check Licensed CA broker — a real person We shop multiple lenders for you
Your information is secure. No obligation.
Step 1 of 6
What would you use your equity for?
Pick what fits best — it helps us match you to the right option.
Where's the property — and how's it used?
We're licensed in California, so let's confirm the basics.
Is this your primary home?
Roughly, what's your home worth?
An estimate is fine — we verify the real value automatically later.
$750,000
$200k$3M+
About how much do you still owe on it?
$400,000
$0$2.5M
Estimated equity you may be able to tap $262,000
How would you describe your credit?
Your best guess — this is not a credit check and won't affect your score.
Where should we send your options?
A licensed California broker — a real person — will personally go over your numbers.
Please enter your first name
Please enter your last name
Please enter a valid 10-digit phone
Please enter a valid email
Last step — your consent
Two quick authorizations so we can check your options and reach out.
Secured & confidential · NMLS #281077 · CA DRE #01733124

We're California-only for now

Loans by Lou is licensed to serve homeowners in California. Since your property is outside CA, we're not able to help on this one — but leave your email and we'll let you know if that changes.

You’re all set!

One last step — see your real offer. We're taking you to a secure 2-minute check that reveals exactly what your home equity qualifies for. It's a soft inquiry — no impact to your credit score.

See my instant offer →

Taking you there now… if it doesn't open automatically, tap the button above. Questions? Call (747) 227-7878.

Why homeowners choose Loans by Lou

Same speed as the big online lenders — with a licensed local broker who actually answers the phone.

Keep your first mortgage

Tap your equity without refinancing or touching the rate you locked in.

We shop it for you

We run your file with more than one lender and bring you the strongest offer — not just one option.

Fast, mostly online

Soft-pull check up front, automated valuations, and funding in as little as about a week.

A real person, every step

No chatbot maze. A licensed California broker guides you from question to close.

LL
Luis Tipacti — Loans by Lou
Branch Manager / Sr. Loan Officer · Encino, CA
NMLS #281077 · CA DRE #01733124 · Pacific Inter Capitol, Inc. NMLS #2677334