Home Equity Investment
Access your home's equity today — without monthly payments
A Home Equity Investment (HEI) provides a lump-sum payment in exchange for a share of your home's future appreciation. You keep full ownership and title — with no monthly HEI payments.
Up to $600,000
Lump-sum equity access
30-Year Term
Settle on your timeline
FICO 500+
Flexible credit requirements
35+ States
Broad availability
The Simple Concept
Not a loan. Not a HELOC. Something different.
An HEI provides you with a lump-sum payment today in exchange for a share of your home's future appreciation. You keep full ownership and title to your home, with no monthly HEI payments.
You settle the investment when you sell, refinance, or reach the end of your 30-year term — entirely on your schedule.
Key Benefits
- No monthly payments — ever
- No income or employment requirements
- No impact on debt-to-income ratio
- Homeowner keeps full title ownership
- Investment amounts up to $600,000
- Terms up to 30 years
- Available in 35+ states
- Minimum FICO 500
How It Works
Four simple steps to your funds
Apply
Submit basic property and homeowner details through your broker partner.
Get Approved
Receive a conditional approval within 24 hours based on property and equity.
Receive Funds
A lump-sum payment is wired directly to the homeowner at settlement.
Settle on Your Timeline
Keep the HEI until you sell, refinance, or reach the end of your term.
Eligible Properties
Which properties qualify?
Quick Qualification Summary
Is an HEI right for you?
- You own a home with significant equity
- You need cash but want to avoid new monthly debt
- Your income or credit may not qualify for a HELOC
- You plan to stay in your home long-term
- You want flexibility on when you settle
Ready to unlock your home's equity?
No monthly payments. No income requirements. Get a lump sum today and settle on your timeline. Talk to our team to find out if an HEI is right for your situation.
Personalized for you
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Every borrower is different. Tell us about your scenario and we'll compare programs and rates tailored to you — no obligation.
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- Review interest rate, APR, points, and monthly payment
- Speak directly with an experienced mortgage broker
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