Home Equity Investment
Home Equity Investment: Access Cash With No Monthly Payment
Access $50,000 to $600,000 of home equity with no monthly payment. Credit scores as low as 500 may qualify, up to 75% CLTV, and you keep ownership of your home.
Home Equity Investment (HEI)
Cash from your home equity — with no monthly payment.
Our Home Equity Investment program allows homeowners to access $50,000 to $600,000 in cash without adding a monthly payment. Homeowners with credit scores as low as 500 may qualify, with up to 75% combined loan-to-value available depending on credit score, occupancy, and lien position. Unlike a traditional loan, there are no monthly principal or interest payments, and homeowners retain ownership of their property. In exchange, an agreed percentage of the home’s future value is paid when the homeowner sells, refinances, or buys out the investment, subject to a contractual Safety Cap.
Cash Available
$50K–$600K
Min FICO
500
Max CLTV
75%
Monthly Payment
$0
Program terms
- Funding amount
- $50,000 – $600,000
- Max combined LTV
- Up to 75%
- CLTV based on
- Credit score, occupancy & lien position
- Monthly payments
- None — no principal or interest
- Ownership
- You keep ownership of your home
- Repayment
- Agreed % of future home value
- Settlement events
- Sale, refinance, or buyout
- Cost protection
- Contractual Safety Cap
Qualifications
- Credit scores as low as 500
- Sufficient equity — up to 75% combined LTV
- Final CLTV depends on credit score, occupancy and lien position
- Homeowner on title
- Standard property valuation and title review
FAQ
Home Equity Investment (HEI): common questions
Other programs
Explore more financing options
Illustrative program parameters. Actual terms depend on credit, property, and market conditions and are subject to change.
Ready to put your equity to work?
Get a no-obligation quote in 24 hours. Soft credit pull only — no impact to your score.