Whole-project funding, with no fees, no home equity requirements.

The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.

You control the terms of your LightStream home improvement loan.

You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.

Be a cash buyer, fully in control of your project.

Repay your fixed-rate home improvement loan in as little as two years, or take up to 12 years. * When you have good to excellent credit, the choice is yours.

We can fund your loan as soon as the day you apply

You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.

Apply in minutes. Have funds in your account as soon as toda

Apply online

You will receive a response shortly during business hours.

Accept loan agreement

Once approved, e-sign your loan agreement and set-up your loan for funding

That's it! Use your loan

Receive your funds as soon as today. 

Get Approved

Submit an application and get a decision within 30 minutes.

Choose Your Project

Confirm that your project qualifies for Ygrene financing.

Choose the JMC

Get matched with pros from our network of independent contractors.

We are open for new projects!