Access Your Home Equity
Even If You Don’t Qualify for a Traditional Loan
What is an Home Equity Investment (HEI)
A Home Equity Investment (HEI) is a different way to access your home’s value. Instead of taking on a traditional loan with monthly payments, you receive cash today in exchange for sharing a portion of your home’s future value.
That means:
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No monthly mortgage payments required
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No income qualifications needed
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More flexibility than many traditional loan options
It’s designed for homeowners who may not qualify for conventional financing.
How Is HEI Different From Traditional Loans?
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Who This May Be Right For
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Homeowners with significant equity
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Those who don’t qualify for traditional loans
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Retirees looking for flexibility without monthly payments
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Homeowners navigating life transitions (downsizing, divorce, relocation)
Why Homeowners Choose This Option
✅ Access up to 75% of your home’s value (up to $500K)
✅ No monthly payments required
✅ No income requirements
✅ Flexible use of funds
✅ Credit scores as low as 500 may qualify
A Different Approach—With Important Considerations
An HEI is not a traditional loan.
Instead of making monthly payments, you agree to share a portion of your home’s future value when the home is sold or the agreement ends.
That means:
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Your repayment is tied to your home’s value
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You may pay more if your home increases in value
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You remain responsible for property taxes, insurance, and maintaining the home
This is why it’s important to review your options carefully and determine what’s right for your situation.