Tap your equity. No monthly payments.
A Home Equity Investment (HEI) gives you a lump sum of cash today in exchange for a share of your home's future value. There is no monthly payment, credit requirements are flexible, and it can sit behind your existing mortgage and HELOC.
Cash from your equity without adding a payment to your budget.
An HEI is not a loan. An investor provides cash now and shares in a portion of the home's appreciation (or depreciation) when you sell, refinance or buy them out. Because there is no monthly payment, it can work for homeowners who would not qualify for a traditional loan or who want to protect their cash flow.
Who it fits
- Homeowners with meaningful equity who want cash without a new monthly payment
- Borrowers with recent mortgage late payments or credit challenges
- Owners who already have a first mortgage and a HELOC (third position is OK)
- Self-employed or variable-income homeowners
- Anyone consolidating high-interest debt, funding a renovation, or covering a major expense
Let’s find the right fit.
Apply now or talk through your options with Erick.
Why borrowers choose Home Equity Investments.
No monthly payments
Nothing due each month. You settle the agreement when you sell, refinance or buy out the investor, typically within 10 to 30 years.
Late payments accepted
Recent mortgage late payments are not an automatic decline. Approval leans on equity and the property more than credit history.
Third position OK
Keep your low-rate first mortgage and your HELOC. The HEI sits behind both.
Light documentation
No income or employment verification on most programs. A title review, valuation and basic property documents are the core of the file.
You keep ownership
You stay on title, live in the home and keep making decisions about it.
Fast funding
Many HEIs fund in two to three weeks after the valuation.
Typical requirements
Primary residence, second home or rental in an eligible state
Meaningful equity, typically 25% or more after the HEI
Credit scores from the low 500s may be eligible
Recent mortgage lates or credit events reviewed case by case
Standard title and homeowner's insurance
Guidelines vary by lender, program and property. Erick will confirm exact requirements for your file.
How it works
Quick call.
Ten minutes on the phone. You tell Erick the goal, he tells you the realistic options.
Pre-approval.
Send documents through a secure link. Most pre-approvals are issued the same day.
Lock and process.
Rate locked, file submitted, updates in plain English every step.
Close.
Sign with a remote online notary where available, or in person. Keys in hand.
Home Equity Investments FAQ
How is an HEI different from a HELOC?
A HELOC is a loan with interest and a monthly payment. An HEI has no monthly payment; instead the investor receives a share of the home's value when you settle, so the cost depends on how much the home appreciates.
Can I pay it off early?
Yes. You can buy out the investor at any time, usually after a short minimum period, based on the home's appraised value at that time.
What if my home loses value?
With most programs the investor shares in the loss as well as the gain, which lowers what you owe at settlement.
Is an HEI right for me?
It depends on your goals, your equity and how long you plan to stay. Erick compares an HEI against a HELOC, home equity loan and cash-out refinance so you can see the real cost of each.
Ready to talk numbers?
Call, email or send a quick message. Erick answers questions directly and tells you what fits, and what does not.
