Lightning Equity Hybrid HELOC — Fast Cash from Your Home’s Equity
- Apply 100% online and lock your rate in 5 minutes
- Funding in as few as 5 business days
- Borrow between $25,000 to $400,000 using your home equity
- No in-person appraisal required
- Flexible terms, fixed rates on each draw, and draw periods available
Why Accessing Your Home Equity in 5 Days Matters
Higher Limits than Personal Loans
Borrow up to $400,000 for home improvements, debt consolidation, or unexpected expenses. That’s significantly more than what most personal loans offer.
Predictable, Fixed Monthly Payments
Every draw from your line of credit is at a fixed rate—no surprises, no increases, no guesswork. Just stable, clear, and budget-friendly payments each month.
Quick Credit Decision with No Hard Pull
We perform a soft credit check for initial approval—your credit score remains unaffected. Fast, simple, and stress-free qualification with no hidden risk.
How It Works
Apply Online in 5 Minutes
Complete our simple online application in just a few minutes
Soft Credit Check & Instant Rate Lock
Get approved instantly with no impact to your credit score
E-Sign & Upload Docs — No Appraisal Needed
Complete the process digitally without any in-person requirements
Funds Disbursed Within 5 Days
Access your cash quickly for whatever you need
Why Choose the Lightning Equity Hybrid HELOC?
Fast Funding
PRMG can fund your HELOC in as few as 5 business days
Secure Online Process
100% digital, no appraisals or in-person meetings
Transparent Fixed Rates
Every draw gets a fixed rate so there are no surprises
Borrow What You Need
Tap into your equity and keep the rest untouched
Lower Rates Than Credit Cards
Because your home is collateral, rates are typically better
Get in Touch
We're here to answer your questions and guide you forward.
