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Get Your Home Equity Loan Through the Nation’s Leading Loan Expert

Transform your home equity into opportunity
—quick, easy, and built around you.
Apply Through The Nation's #1 Refinance Loan Officer

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It’s easy to apply for a loan with us. Just complete this form and we will reach out to you for the next steps.

Hank Metzger

Co-Founder & America’s #1 Refinance Loan Officer.

(Recognized by Scotsman Guide’s 2023 Top Refinance Originators)

LightWorkers Home Loans was founded by Hank Metzger, recognized by Scotsman Guide’s 2023 Top Refinance Originators as the #1 refinance loan officer in America. With more than 100 years of combined mortgage experience among the founding partners, LightWorkers was established to make refinancing smarter, faster, and more affordable for homeowners nationwide. When the best in the nation helps guide your loan, you can expect competitive rates, faster closings, clear communication, and a seamless experience from start to finish—so you can keep more of your money where it matters most.

Listen What Hank Says

A Smarter, Simpler Way to Access Your Home’s Equity

Leverage your home’s existing value without adjusting your current mortgage rate. It’s a streamlined, flexible option created to help you advance your goals securely and confidently.

  • Unlock Greater Home Equity

    Access up to 90% of your home’s value — up to $500K.

  • Maintain Your Current Low Rate

    Your current mortgage rate remains unchanged.

  • No Additional Fees

    Select our Zero Origination Fee and Zero Discount Points plan.

  • Flexible Terms Designed to Work for You

    Enjoy fixed rates with terms tailored to your needs.

  • Quick and Reliable Closings

    Close in as little as seven days.

  • Simple and Affordable Borrowing

    A quick, affordable solution for borrowing at a lower rate.

What Our Customers Are Saying

Our commitment is to provide homeowners with honest advice, thoughtful guidance, and exceptional care.
These results speak for themselves.
Experience the Best.

Connect directly with Hank Metzger, widely regarded as the nation’s #1 refinance officer.

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About LightWorkers Home Loans

At LightWorkers Home Loans, we believe every homeowner deserves better: more competitive rates, exceptional service, and a smooth, hassle-free experience from start to finish.
  • 100+ Years Experience

LightWorkers Home Loans was founded on the belief that homeowners deserve better — better service, better rates, and a superior experience from start to finish. With over 100 years of combined mortgage expertise, our founders have built a company grounded in integrity, efficiency, and value. Leading the team is Hank Metzger, recognized as the #1 refinance loan officer in America by Scotsman Guide’s 2023 Top Refinance Originators. Together with another nationally acclaimed top performer, Hank co-founded LightWorkers to redefine what homeowners should expect from a lender.

We’re not a call center. We’re a hands-on team committed to clear communication, genuine guidance, and compassionate support at every step. Whether you’re refinancing for a better rate, reducing monthly payments, or accessing your home’s equity, our mission is to help you achieve your financial goals quickly and confidently. At LightWorkers, we don’t just close loans — we build lifelong relationships founded on trust and transparency.

Home Equity Loans Made Simple in 3 Easy Steps

Accessing your home’s equity is easier than ever. Just follow three simple steps to get started with confidence.

We’re Here to Meet Your Needs

Fill out this quick online survey to help us assess your needs and offer you the most suitable solutions

Your Trusted Loan Officer

We’ll pair you with a dedicated LightWorkers Loan Officer who will guide you through every step of the process.

Apply with Confidence. Close with Success.

Your Loan Officer will guide you through the application process, assist with underwriting, and ensure a smooth path to closing.

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What is a Home Equity Loan?

Unlock the value of your home with a home equity loan—often at a lower rate than other options. Use the funds to renovate, manage major expenses, or combine high-interest debt into a single, easy-to-manage payment.

Home Equity Loan Eligibility Requirements

Your total home equity is the difference between your property’s fair market value and any outstanding mortgages or liens.

Credit History and Score

A minimum FICO® score of 620 is required to qualify for a home equity loan.

Debt-to-Income Ratio

Your total debt obligations must not exceed 50% of your gross income.

Maximum Combined Loan-to-Value

The combined amount of your first mortgage and home equity loan cannot exceed 85% of your home’s value.

Compare Rates and Choose the Best Option

Compare mortgage rates with our easy-to-use tool and secure the best terms tailored to you—don’t accept the first offer.

Get Your Loan Funded Quickly

Tired of the runaround from other lenders? With our quick funding options, securing your dream home has never been easier.

Why Choose LightWorkers?

Choosing the right lender makes all the difference. Homeowners nationwide trust LightWorkers Home Loans because we pair extensive expertise with personalized care — helping you save time, money, and avoid unnecessary stress.

  • Work directly with Hank Metzger, the nation’s top-ranked refinance officer according to Scotsman Guide—at no additional cost.

  • Founded by two of the nation’s leading refinance professionals.

  • Bringing over 100 years of combined mortgage experience.

  • Lower Fees and Consistently Superior Rates

  • Quick and seamless approvals without unnecessary delays.

  • Ensuring transparent communication from start to finish.

Get Started Now