Unlock Your Home's Potential

We’re proud to offer one of the most cost-effective home equity solutions on the market:

• You could save over $30,000 vs. using credit cards, thanks to high APRs often exceeding 26%.

• Compared to other HEI providers, our terms could mean up to $19,000 in savings over 10 years.

Your actual savings will depend on your home, credit profile, location, and other factors.

We’re proud to offer one of the most cost-effective home equity solutions on the market:

Be located in an eligible service area
Have an appraised value between $200,000 – $5,000,000
Be one of the following:

• Owner-occupied single-family homes
• Condos or townhomes
• 2–4 unit properties (owner must live in one)
• Properties held by individuals, trusts, or LLCs (with approval)

Not eligible:

• Non-owner-occupied properties
• Homes with 5+ units, manufactured/mobile homes
• Log cabins, houseboats, geodesic domes, or nontraditional builds
• Commercial, agricultural, or properties on over 5 acres
• Timeshares or fractional ownership

1. Pre-Qualify – Fill out a quick form to see if you’re eligible (it takes less than 2 minutes!)

2. Apply – Share some details about yourself and your home

3. Review Your Offer – We’ll do a valuation and present your personalized offer

4. Close & Fund – Sign the documents and receive your funds

5. Repurchase Anytime – Buy back our share via refinance, sale, or cash—whenever you're ready

You can receive between $50,000 and $500,000, or up to 25% of your home’s value. To qualify, you’ll need to have more than 30% equity in your home. At origination, your total HEI plus mortgage balance must be no more than 70% of your home's current value.

Yes—but only when you move forward with your full application. We require a minimum credit score of 550. Your initial pre-qualification will not affect your credit. If you proceed, we’ll perform a hard inquiry, and your report stays valid for 120 days. We may also do soft credit checks during the term for monitoring purposes.

Nope. Since our investment has zero monthly payments, we don’t need to verify your income or job status. No pay stubs, no W-2s, no hassle.

To apply, you’ll need:

• A valid government-issued ID

• Your latest mortgage statement (if you have one)

• Any other lien statements on your property

• We may request trust or LLC documents if applicable

You may still be eligible. In some cases, we can originate behind a HELOC or second mortgage. Otherwise, you might need to pay off those obligations during closing.

We understand life happens. You may be eligible if:

• It’s been at least 4 years since a bankruptcy dismissal

• It’s been at least 7 years since a foreclosure was completed

• You’ve had no more than two Notices of Default (NOD) in the last year

• You’ve had no Notice of Sale (NOS) in the last year and no more than one in the past 3 years