Why Homeowners Choose Unlock Over Traditional Options
A Home Equity Agreement (HEA) is revolutionizing how homeowners access their equity. Here's why it's the smarter choice:
Best Choice
Unlock Home Equity Agreement
- No monthly payments - keep more cash each month
- No impact to credit score - soft inquiry only
- No income requirements - perfect if you're self-employed or retired
- Minimum 500 credit score - accessible to more homeowners
- Keep your mortgage rate - don't refinance
- No age restrictions - all homeowners welcome
- Flexible use of funds - spend how you want
Traditional HELOC/Home Equity Loan
- Monthly payments required
- Hard credit inquiry impacts score
- Strict income verification required
- Minimum 620-680 credit score typically
- May require refinancing
- Additional debt on credit report
- Variable interest rates
How It Works - Simple & Transparent
1
Enter Your Address
Tell us about your property in our quick 2-minute application
2
See Your Offer
Get pre-qualified instantly and see how much you can access
3
Get Your Cash
Complete the simple process and receive funds for any purpose
Use Your Cash However You Want
🏠
Home Improvements
Renovations, repairs, or upgrades
💳
Debt Consolidation
Pay off high-interest credit cards
🎓
Education Expenses
College tuition or student loans
🚗
Major Purchases
Vehicle, boat, or other investments
💼
Business Investment
Start or grow your business
🌴
Life Events
Wedding, vacation, or medical bills
Ready to Unlock Your Home's Value?
Join thousands of homeowners who've discovered a better way to access their home equity. No monthly payments, no income requirements, and no impact to your credit score.
2-minute application
Secure & confidential
No obligation
Pre-qualification won't affect your credit score