A simple, fast, and affordable way to borrow at a lower rate!
Take a quick online survey so we can understand your goals and find the best options for you.
We’ll connect you with a dedicated LightWorkers Loan Officer who will guide you every step of the way.
Your Loan Officer will help you submit your application, move through underwriting, and get you to the closing table smoothly.
A home equity loan lets you unlock cash from the value you’ve built in your home—usually at rates lower than most consumer credit. With predictable, often fixed payments, it can fund renovations, major purchases, or consolidate high-interest debt, replacing multiple revolving balances with one manageable, potentially cheaper monthly payment!
Your total home equity equals the property’s fair market value minus what you still owe on any mortgages or liens
A minimum FICO® score of 620 is required to qualify for a home equity loan.
Your total debt obligations cannot exceed 50% of your gross income.
Your first mortgage plus the home equity loan cannot exceed 85% of your home’s
You wouldn’t accept the first offer at the car lot, so don’t just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.
Other lenders giving you the runaround? Our fast funding options mean you’ll never miss out on the house you really want.
A home equity loan gives you the freedom to take control of your finances!
Consolidate multiple credit cards and personal loans into one simple, lower-rate payment and save thousands in interest.
Finally finish that dream kitchen or spa-like bathroom remodel that adds comfort and value to your home.
From long-overdue vacations to weddings and major purchases, use your equity to make it happen—while keeping payments predictable with a fixed rate.
The team members were all patient, kind, knowledgeable and helpful. We also appreciated the many choices we were given along the way. Millissa Faulkne A Happy client
The team members were all patient, kind, knowledgeable and helpful. We also appreciated the many choices we were given along the way.
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Turn the equity you’ve earned into flexible financing—without disturbing the great rate on your first mortgage.
