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) 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.
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.
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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 simply 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.