home equity investments
Get cash now - no monthly payments, stay in your home.
A Home Equity Investment (HEI) is a financial product that allows homeowners to access cash from their home's equity without taking on monthly debt payments. In exchange, the investor receives a share of the home's future value—typically when the home is sold, refinanced, or after a set period (commonly 10–30 years).
HEIs are not loans: they do not require monthly payments, and they don’t accrue interest. Instead, the investor’s return is tied to the change in the property’s value.
Apply in minutes. No impact to your credit score.
why use a home equity investment?
✅ Stay in your home — No sale required
✅ No monthly payments
✅ Minimum Credit Score 500
✅ Flexible use of funds – Pay off debt, cover bills, perform repairs
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 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.
trusted providers
We network with trusted providers to offer the best solutions for homeowners.
Point.com
Key Benefit: Longest possible terms. No payments for up to 30 years.
Requirements:
✔ Property value must be at least $155,000.
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.
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.