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Answer a few quick questions so we can match you with the right loan options.

Get Access to Your Home Equity 

Consolidate high-interest debt, upgrade your home, and access cash for important milestones like college or retirement.

What type of property do you have?




  This takes less than 1 minute to complete
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How do you use this property?

Primary Home
Secondary Home
Rental Property
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What's the full property address?

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What are you using this loan for?

Home Improvement
Retirement Income
Debt Consolidation
Investment Purposes
Something else
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Please estimate the value of the property.

(It's OK to estimate)

[{"by":"20000","end":"2000000","start":"200000"}]
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"16"
  • $200K
  • $2M+
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Do you have a mortgage on this property?

No, it's paid off
One Mortgage
Two Mortgages
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What's your first mortgage balance?

(an estimate is fine)

[{"by":20000,"end":1000000,"start":20000}]
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"6"
  • <$20K
  • $1M+
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What's your second mortgage balance?

(an estimate is fine)

[{"by":20000,"end":1000000,"start":20000}]
null
"6"
  • $20K
  • $1M
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What's your source of income?

Employment
Pension/Retirement
Disability
Rental Income
Self Employment
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What's your total monthly income?

All verifiable sources, combined

[{"by":500,"end":20000,"start":1500}]
null
"16"
  • $1,500
  • $20k+
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How much would you like to borrow?

[{"by":5000,"end":200000,"start":5000}]
null
"19"
  • $0
  • $200K
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When is your birthday?

Month
select month
day
select day
year
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What's the best way to reach you?

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How the Lightning Equity Hybrid HELOC Works

The Lightning Equity Hybrid HELOC is designed to help homeowners like you eliminate high-interest debt without sacrificing your low mortgage rate. Unlike traditional cash-out refinances, this flexible home equity line of credit (HELOC) allows you to tap into your home’s value without replacing your current mortgage.

Why Homeowners Love This HELOC

Keep Your Low Mortgage Rate – No need to refinance and lose your great rate.
Fixed-Rate Draws – Lock in predictable payments when you access your equity.
Fast & Automated Approval – Get funded quickly with no manual underwriting.
No Prepayment Penalties – Pay it off early without extra fees.
Flexible Loan Terms – Choose from 5, 10, 15, or 30-year options.
Debt Consolidation Made Easy – Pay off high-interest credit cards with lower rates.

Who Can Benefit from the Lightning Equity Hybrid HELOC?

This HELOC is perfect for homeowners aged 25-50 who:

Have a low mortgage rate but need cash for debt consolidation, home improvements, or major expenses.
Are struggling with high-interest credit card debt and want a lower-cost solution.
Want a flexible way to access home equity without a traditional refinance.
Need a quick and easy loan process with automated approval.

With loan amounts up to $400,000, this HELOC helps you take control of your finances—on your terms.

How to Apply

1 Check Eligibility – Submit a quick online application.
2️ Get Approved Fast – Our automated system provides fast approvals.
3 Access Your Funds – Receive up to 85% of your home’s equity.
4️ Use and Repay on Your Terms – Withdraw funds as needed while keeping your low mortgage rate.

Ready to take the next step?
Click below to see how much equity you can access today!

👉 Get Started Now




Ready to access your home's equity?


This takes less than 1 minute to complete. There is zero credit impact.








See if You're Eligible for a HELOC Now 

This takes less than 1 minute to complete and there is zero credit impact.






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J.D. Peck

Branch Manager


PRMG, Inc. | NMLS #314883

Call or Text: (719) 355-9344





It takes less than 1 minute to complete. There is zero credit impact. 





See if you qualify for a Lightning Equity Hybrid HELOC by JD.Mortgage

Calculate your HELOC rate & monthly payments.

This takes less than 1 minute to complete and there is zero credit impact.








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We don't. You’ll get connected with one of our licensed team members and YOU can decide the next steps.





 






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  • © 2025 PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. ALL RIGHTS RESERVED | Paramount Residential Mortgage Group, Inc. (“PRMG”) is a mortgage lender. NMLS ID# 75243 (www.nmlsconsumeraccess.org). 1265 Corona Pointe Court, Suite 301, Corona, CA 92879. 866-776-4937. AZ Mortgage Banker License #910387. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Massachusetts Broker and Lender Licenses MC75243. Licensed by the N.J. Department of Banking and Insurance. OH #RM.804171.000. Rhode Island Licensed Lender | NEW YORK This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.