home equity investments
why use a home equity investment?
✅ Keep 100% Ownership – You stay on title. No sale required
✅ No Monthly Payments – You get money today without adding a loan or monthly bill.
✅ Minimum Credit Score 500 - Lower credit scores accepted.
✅ Access Up to $500,000 – Ideal for major life expenses, paying off debt, or home repairs.
A home equity investment (HEI) allows you to access your equity without taking on a monthly payment. The investor pays cash in exchange for a percentage share of the property’s equity. The homeowner pays off the investor at a later date via a refinance or sale of the property.
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How It Works
You get a lump sum of up to $500,000 — based on your home equity.
You repay when you sell, refinance, or after 10–30 years.
How the investor makes money
It’s an exchange of cash for a percentage of equity. The value of the percentage share is greater than the value of the cash payment. There is no interest rate and no monthly payment. The investor is paid when the homeowner refinances or sells the property.
how does an hei compare to a heloc/refi?
An HEI is not a HELOC/loan. There are no monthly payments and therefore no debt-to-income requirements and a lower credit requirement.
Great for homeowners who want to keep their monthly budget as low as possible.
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Point.com
Up to 30-Year Term – Longest in the industry. Repay when you’re ready.
No Monthly Payments – You won’t owe anything month to month.
Keep 100% Ownership – You stay on title. Point shares in your home’s future appreciation.
BBB Accredited - Rated A+ (June 2025)
Trustpilot - Rated 4.7 (June 2025)
Unlock.com
Pay Back on Your Timeline – Partial payments welcome. No pressure to sell. Pay back any time within 10 years. Great for homeowners who are self-employed.
No Monthly Payments – You won’t owe anything month to month.
Keep 100% Ownership – You stay on title. Unlock simply shares in your home’s future appreciation.
BBB Accredited - Rated A+ (June 2025)
Trustpilot - Rated 4.7 (June 2025)
Who Qualifies?
✔ Property must be in good condition and located in approved markets.
✔ Minimum credit score of 500 required.
Want To Explore Other Options?
Click here to learn more about Traditional Home Loans.