A Home Equity Agreement (HEA) lets you access a lump sum of cash from your home equity today, in exchange for sharing a percentage of your home’s future appreciation. No monthly payments. No interest. No income requirements.
Competitive terms from 100+ wholesale lenders.
A HELOC gives you a revolving credit line with monthly interest payments. An HEA gives you a lump sum with no monthly payments — you repay by sharing a portion of your home’s future appreciation when you sell or refinance.
If your home value stays flat or decreases, you settle based on the actual value at the time — not a projected value. The investor shares in the downside too.
No. You can repay the HEA at any time during the 10-year term by refinancing or buying out the investor’s share.
No — HEAs qualify based on your equity and home value, not your income. Ideal for retirees or anyone with significant equity but limited income.
No monthly payments or interest charges. There may be an origination fee at closing, typically deducted from your proceeds.
See how much you can access today. No income verification.