Get up to $500,000 from your home equity with no monthly payments, no income verification, and no impact to your credit score. A revolutionary alternative to traditional home equity loans and HELOCs.
The smarter way to access your home equity
Unlike HELOCs and home equity loans, you don't make any monthly payments. Keep more cash flow each month.
Perfect for retirees, self-employed, or those with non-traditional income. No W-2s or tax returns required.
Pre-qualification uses a soft inquiry that won't affect your credit score. Minimum 500 credit score accepted.
Don't refinance and lose your low interest rate. This works alongside your existing mortgage.
Pre-qualify in just 2 minutes online. Most homeowners close in 3-4 weeks.
Use your cash for anything: debt consolidation, home improvements, education, medical bills, or investments.
Three simple steps to access your home equity
Complete our simple 2-minute application with basic information about your home and property.
Receive an instant offer showing how much you can access with no impact to your credit score.
Complete the process and get your cash to use for any purpose. No monthly payments required.
Access your equity without monthly payments affecting your fixed income. No income verification needed.
Qualify without complex income documentation. Perfect for business owners and freelancers.
Keep your low mortgage rate while accessing equity. Don't refinance and lose your great terms.
Qualify with a minimum 500 credit score vs. 620-680 required for traditional options.
See how we stack up against traditional home equity products
| Feature | Home Equity Agreement | Traditional HELOC/Loan |
|---|---|---|
| Monthly Payments | None Required | Required |
| Income Verification | Not Required | Required |
| Credit Score Impact | Soft Inquiry Only | Hard Inquiry |
| Minimum Credit Score | 500 | 620-680 |
| Application Time | 2 Minutes | 30-60 Minutes |
| Impact to Current Mortgage | None | May Require Refinancing |
Join thousands of homeowners who've discovered a smarter way to tap their home's value. Pre-qualify in 2 minutes with no credit impact.
Check Your Home Value NowNo obligation • No credit impact • Pre-qualification takes 2 minutes