Lightning Equity Hybrid HELOC
Get Access to Your Home’s Equity—Fast and Easy
The Lightning Equity Hybrid HELOC is designed for homeowners who need quick access to their home’s equity with the flexibility of a Home Equity Line of Credit (HELOC). This innovative loan program offers fixed-rate draws and an automated approval process to streamline funding.
✔ Minimum Loan Amount: $25,000 ($35,000 for Texas)
✔ Draws Allowed: Must draw 100% of the line at closing, but can repay and re-borrow
✔ No Rate Changes Unless Additional Draws Are Taken
✔ Available in Most States (Not available in KY, NY, WV)
How Does It Work?
- Apply Online – Complete a quick application to check eligibility.
- Automated Approval – No manual underwriting, fast processing.
- Fund Your HELOC – Receive up to $400,000 in as little as a few days.
- Use & Reuse – Withdraw funds as needed (subject to draw requirements).
📌 No Hassle, No Surprises. Just Fast, Reliable Access to Your Home’s Equity.
Ready to Get Started?
🔹 Click Below to Apply Now & Unlock Your Home’s Equity Today!
Why Choose the Lightning Equity Hybrid HELOC?
✅ Fast & Automated Approval – Quick access to funds with no manual underwriting
✅ Multiple Loan Terms – Choose from 5, 10, 15, or 30-year terms
✅ Flexible Credit Requirements – Available for credit scores as low as 640
✅ High Loan-to-Value (LTV) Limits – Borrow up to 85% CLTV
✅ No Prepayment Penalties – Pay off early without extra fees
✅ Available for Primary, Second Homes & Investment Properties
Who is Eligible?
- U.S. Citizens & Permanent Residents
- Credit Score as Low as 640
- Debt-to-Income (DTI) Up to 50%
- Owner-Occupied, Second Homes, & Investment Properties
- Single-Family Homes, Condos, Townhomes, Duplexes (Ineligible: Co-Ops, Manufactured Homes, Mixed-Use)