Understanding Home Equity Agreements and how to access your home's value without monthly payments.
From application to funding in as little as 3-4 weeks
Complete our quick 2-minute application. We only need basic information about your home and property—no financial documents required at this stage.
Receive an instant pre-qualification showing how much you could access. This uses a soft credit inquiry that won't impact your score.
If you choose to proceed, complete the simple closing process and receive your cash in a lump sum. Use it for any purpose you choose.
A revolutionary alternative to traditional home equity products
A Home Equity Agreement (HEA) is a financial product that allows you to access a portion of your home's equity in exchange for sharing a percentage of your home's future value change. Unlike traditional loans:
Why homeowners choose this option
Depending on your home's value and equity position, you could access significant funds to use however you need.
Improve your monthly cash flow by accessing cash without adding a monthly payment obligation.
No income verification, no employment verification, and accepts credit scores as low as 500.
Keep your existing mortgage and low interest rate. This doesn't require refinancing your home.
Pre-qualify in 2 minutes online. Most homeowners complete the full process in 3-4 weeks.
Use funds for debt consolidation, home improvements, education, medical bills, business, or anything else.
Simple requirements make it accessible to more homeowners
500+ (compared to 620-680 for traditional products)
Sufficient equity in your primary residence
Single-family home, townhouse, or condo
Must be your primary residence
That's it! No income verification, no employment verification, no extensive documentation.
Check If You QualifyHow homeowners use their funds
Renovations, repairs, upgrades, or additions to increase your home's value and comfort.
Pay off high-interest credit cards, personal loans, or other debt to simplify finances.
College tuition, student loan payments, or continuing education for yourself or family.
Unexpected medical expenses, procedures, or ongoing healthcare costs.
Start a new business, expand operations, or invest in equipment and inventory.
Weddings, vacations, helping family, or any other significant life expense.
While Home Equity Agreements offer significant advantages, they involve sharing in your home's future value change. This means:
We strongly recommend consulting with qualified financial, legal, and tax professionals before proceeding with any home equity product.
Get pre-qualified in 2 minutes with no impact to your credit score. See how much you could access from your home equity.
Get Started NowNo obligation • No credit impact • Free pre-qualification