Lightning Loans
Personal Loan
Average HELOC
Cash Out Without Refinancing!
Access Your Home Equity Without Losing Your Low Rate
You’ve Never Had More Equity.
🔒Does not Affect Credit. No SSN until you’re ready.
Get the max. While others stop at 80% LTV, we offer up to 95%.
That’s $62,250 more than almost any other lender.
Up to 95% Loan to Value
Get Funded in 5 Days
🔒 Will not affect your credit.
Get the Cash You Need Without Leaving Home
- Apply with our 100% online application in minutes. With funding in as few as 5 days
- Borrow up to $400,000 using your home equity
- No need to wait for an in-person appraisal
- Get the funds you need now, and move forward with life
Tap Into Your Equity As Easy As...
1.
Apply online within minutes.
No lengthy paperwork or in-person meetings needed with our streamlined online platform. Our loan experts are available to assist you at every step.
2.
Choose Your Own Terms Online
This innovative tool allows you to custom-build your loan amount and repayment plan, selecting the terms that work best for your financial situation.
3.
Get Funding Within 5 Days.
Quickly access your equity with funding available in as little as five days. Efficient and hassle-free, our process ensures you get the financial support you need without the wait.
🔒 Will not affect your credit.
Compare For Yourself
Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.
Funding in 5 Days
10 Year Draw Period
Lowest Monthly Payments
Flexible Funding
Alternatives For Borrowers That Don't Qualify Initially
Experts at your service.
Meet the experts committed to providing you with exceptional financial solutions
FAQs
Application Process
What is a HELOC?
We have a fully digital online application process that will make streamline your experience. If you are not good with technology or prefer a human touch a loan officer is standing by to guide you on this journey.
1.
Approval Process
How Much Paperwork is Required?
Once we have a completed mortgage application our technology will allow us to shop hundreds of lenders and thousands of loan programs. We call it a "Pricing Engine" and it allows us to consitently beat the big guys and local banks saving you thousands of dollars in the process.
2.
Down Payments
Do I Need an Appraisal?
The answer to this question will vary depending on all the ciurcumstances. For example, if you are a 1st time home buyer with an income 120% or less of the median income for your area... there are 4 or 5 different ways to do it with 0% down. Click the button give us a bit of info and we can give you more accurate info specific to your situation,
3.
Pre Approval
Why would I get a HELOC instead of refinancing?
Absolutely not! We can give you a very good idea without ANY paperwork or even pulling credit. We strongly recommed that you click the button on this page a submit an inquiry form so we can provide a quote tailored to you and your circumstances.
4.
Not answered above?
If you would rather talk to a human and get your questions answers directly click the button below and give us a call.
