Home Equity Loan Second-Lien (Real Smart) — Lighthouse Federal Credit Union is a home equity loan from Lighthouse Federal Credit Union. Typical credit limit: Borrow up to 90% loan to value; The maximum loan amount is $400,000 for loan to value ratios 80% or less. The maximum loan amount is $275,000 for loan to value ratios greater than 80%.. Loan terms: Up to 60-Months; Up to 84-Months; 61-120 Months; 85-107 Months; 108-120 Months; 121-180 Months.