equity sharing agreements: Access Your Home’s Equity Without Monthly Payments
An equity sharing agreement allows you to access funds without a monthly payment. Instead of a loan, an investor provides cash in exchange for a share of your home’s future value.
Why Choose an equity sharing agreement?
✅ Access Your Home’s Equity Without Selling – You remain on the title and keep your home.
✅ No Monthly Payments – Unlike traditional loans, you don’t make monthly payments. Instead, you share a portion of the home’s equity and future appreciation.
✅ Minimum Credit Score 500 – Approval is based on home equity and a credit score of at least 500.
✅ Use Funds However You Need – Pay off property taxes, home repairs, debt, or other expenses.
Compare Your equity sharing Options
We network with trusted providers to offer the best solutions for homeowners. Compare and choose the best fit:
Point.com
Key Benefit: Longest possible terms. No payments for up to 30 years.
Requirements:
✔ Property value must be at least $155,000.
✔ Property must be located in approved states: AZ, CA, CO, CT, FL, GA, HI, IL, IN, MD, MA, MI, MN, MO, NV, NJ, NY, NC, OH, OR, PA, SC, TN, UT, VA, WA, DC.
Unlock.com
Key Benefit: Flexible repayment options. Allows partial payments so you can pay it off at your own pace.
Requirements:
✔ Property value must be at least $300,000.
✔ Property must be located in approved states: AZ, CA, FL, IN, KY, MI, MO, NC, NJ, NM, NV, OH, OR, PA, SC, TN, UT, VA, WA.
How It Works
Check Your Eligibility – Your home must have significant equity and be in good condition.
Receive a Cash Offer – Get a lump-sum payment upfront with no monthly debt added.
Repay When You Sell or Refinance – The investor gets a portion of your home’s future value instead of monthly payments.
is this for me?
Equity sharing agreements, also known as home equity investments (HEI), are great for homeowners who have strong equity. They’re a way to be flexible around limited income and/or limited credit.
In practice, most people change house every 10-15 years simply because life changes. The vast majority of Americans change property within 30 years. The HEI gives the homeowner the ability to use their equity now and maximizes their freedom for the term of the agreement.
Who Qualifies?
✔ Property must be in good condition and located in approved markets.
✔ Minimum credit score of 500 required.
✔ Funds can be used for a variety of needs, including home improvements, paying off other debts, covering medical expenses, or any other financial priorities.
Want To Explore Other Options?
Click here to learn more about Traditional Home Loans.