Access up to $500,000 in home equity with NO monthly payments, NO interest charges, and NO impact to your credit score. A revolutionary alternative to HELOCs and second mortgages.
Unlike traditional loans, a Home Equity Agreement lets you access your home's value without taking on debt, monthly payments, or refinancing.
| Feature | Home Equity Agreement | HELOC | Home Equity Loan | Cash-Out Refi |
|---|---|---|---|---|
| Monthly Payments | None | Required | Required | Required |
| Interest Charges | None | Variable Rate | Fixed Rate | Fixed Rate |
| Credit Score Impact | None | Hard Inquiry | Hard Inquiry | Hard Inquiry |
| Income Requirements | None | Required | Required | Required |
| Closing Costs | Minimal | $2,000-$5,000 | $2,000-$5,000 | $5,000-$15,000 |
| Time to Close | 30-60 Days | 30-45 days | 30-45 days | 45-60 days |
Free up your monthly cash flow. No debt payments to worry about - ever.
This isn't a loan - it's an investment partnership. No accumulating interest.
Pre-qualify and apply without any impact to your credit score.
No need to refinance or disturb your existing mortgage terms.
Pre-qualify in 2 minutes with basic home and contact information
Professional appraisal determines your home's current value
Receive a lump sum based on a percentage of your home's equity
When you sell or after 30 years, investor will share in the home's value change
Our Home Equity Agreement has minimal requirements compared to traditional financing options. Focus on your home's value, not your financial situation.
Property must be real estate permanently attached to land
$200,000+ current market value
At least 25% equity in your home
500+ credit score (much lower than traditional loans)
No tax returns, pay stubs, or employment verification
500+ is sufficient (vs. 620+ for most mortgages)
Your existing debt levels don't matter
No requirement for additional savings or assets
Retired, self-employed, unemployed - all welcome
Fixed income doesn't affect qualification
No need to document irregular income
500+ credit score vs. traditional 620+ requirement
DTI doesn't matter for qualification
Irregular income patterns don't disqualify you
Detached single-family homes
Attached townhomes and row houses
Condominiums in eligible projects
Property must be real estate permanently attached to land.
With minimal restrictions, you can use your home equity cash for almost any purpose. Here are the most popular uses among our customers.
Pay off high-interest credit cards, personal loans, and other debts. Free up monthly cash flow by eliminating payments.
Invest in your home with renovations, additions, or upgrades. Potentially increase your home's value even more.
Fund investment opportunities, start a business, or grow an existing one. Use your home equity to build wealth.
College tuition, professional development, or children's education
Major medical bills, procedures, or long-term care costs
Weddings, family emergencies, or major life transitions
Emergency fund, retirement cushion, or financial flexibility
Very few restrictions on fund usage compared to traditional loans
Much more flexible than traditional loans with their strict usage requirements
Cannot be used for any illegal purposes
Cannot be used for gambling or speculative activities
Consult your tax advisor about potential implications
Get pre-qualified in just 2 minutes and see how much cash you can access from your home equity.
2-Minute Pre-Qualification