Start Your HELOC Application

Quick first step — tell me a little about your situation. It takes about 2 minutes, and there is no credit pull. When you submit, you’ll go straight into the Lightning HELOC application.

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First name(Required)

Last name(Required)

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What are you looking to do?(Required)

What state is the property in?(Required)

We are lending in 49 states. New York is the one exception.

Have you or your spouse served in the military?(Required)

Yes

VA loans often allow no down payment. It costs nothing to check.

What type of loan are you interested in?(Required)

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Who can we thank for the referral?

There Is More Than One HELOC. Here Are All Three.

We run three different equity programs. They are not interchangeable, and which one fits you is set by your CLTV, occupancy, credit, loan amount, documentation type and state.

Program	What it is best at	Max CLTV	The catch
Lightning Equity Hybrid	Speed. Fully automated, no appraisal in most cases	85% (90% on select tiers)	You must draw 100% of the line at closing and pay P&I on all of it
Flex Equity	A true fixed rate, and first-lien HELOCs	90%, down to a 680 score	Refinance only, full documentation, manually underwritten
Piggyback & Standalone	The only one that can close with a purchase	89.99%	Adjustable for all 30 years, and qualified on the full line

Availability, maximum CLTV and minimum credit score vary by state and occupancy. See the full HELOC comparison — grids, payment structures, and the honest cons of each.