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The Smarter Way to Access Your Home Equity

Our qualification process is centered around understanding the challenges you're facing. Life can be unpredictable, and we appreciate the uniqueness of your situation. Whether it's unexpected medical expenses, high-interest credit card debt, or other financial pressures, we're here to help.

What if there was a way to access the valuable money you’ve already invested in your home, without refinancing or traditionally listing it for sale?

There is. Our programs, the residential sale-leaseback and the home equity agreement— are modern ways to cash out your equity without instantly moving or borrowing more money. Time is of the essence, especially when facing financial challenges. With us, you can expect a quick and efficient process. From the initial qualification to accessing your home equity, we streamline each step to ensure you get the relief you need promptly.

How Our Sale-Leaseback Program Works

Get fast cash to pay your bills and stay in your home a while longer. Here’s how our home sale-leaseback program works:

Sell Your Home -
 Fast!

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Stay Frank. helps you sell your home without the hassle of listing it on the market. We connect you with reputable capital investors who offer you a fair market value for your house. Get your money within 2 months of initiating the home sale-leaseback process!

Stay Frank. helps you sell your home without the hassle of listing it on the market. We connect you with reputable capital investors who offer you a fair market value for your house. Get your money within 2 months of initiating the home sale-leaseback process!

Lease As A
Resident

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With your home’s equity now in hand, you go from “homeowner” to “resident,” signing a lease and renting your same home at a lower monthly cost for anywhere from 2-3 years.

With your home’s equity now in hand, you go from “homeowner” to “resident,” signing a lease and renting your same home at a lower monthly cost for anywhere from 2-3 years.

Buy It Back Or
Sell It

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Over the next few years, pay off debt, save money, and plan for a better future, all without moving right away. At the end of your lease, you and your family can start new in a different home without financial strain or purchase the retained equity back at a percentage of the market value.

Over the next few years, pay off debt, save money, and plan for a better future, all without moving right away. At the end of your lease, you and your family can start new in a different home without financial strain or purchase the retained equity back at a percentage of the market value.

Watch John’s Story...

John worked hard to buy his family their dream home. But now he’s fallen into some hard times and he can’t seem to get any help from the banks. Thanks to Cash & Stay, John and his family are back on track and are still enjoying the home they love. Get a fair, simple, and free Cash & Stay offer.

Why A Home Sale-leaseback?

Our program isn’t anything like traditional refinancing or lending options. Those are loans that you must eventually pay back. In a home sale-leaseback arrangement, you sell us your home and get quick access to your valuable home equity. Then you’ll lease your home as a temporary renter. Curious to learn more about how a home sale-leaseback works?

Explore the full benefits

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FAQs

How much can I get for my home?

You can expect to receive an offer comparable to selling your home with a realtor. Our trusted investors offer fair market value for your home based on its current condition, neighborhood, square footage, and amenities. 

Your final cashout amount will vary based on the value of your house, what you still owe on the mortgage, and if you have any outstanding dues related to your home (i.e. solar or HOA fees).

How much can I expect to pay in rent?

Your rent cost is based on market averages for the value of the house and area. Remember that the big benefit of selling your home and becoming a renter is saving money by leasing. That’s why we work with you to keep your monthly rental cost lower than your previous mortgage payment! You have three options:

  1. Pre-Pay Your Rent in Full. Eliminate a monthly rent cost altogether by taking proceeds out of the initial sale of your home and paying your rent cost upfront in full for the entire term of your lease. Any remaining money from selling your home is yours to keep.

  2. Partial Pre-Pay. Pre-pay a portion of your rental cost to decrease your monthly out-of-pocket payments. For example, if market rent is $2,000, you could pre-pay a lump sum from your settlement cost to lower your monthly payment to $1,000. With this option, you can enjoy a lower monthly rent cost while still having the cash flow to pay off some debt and save.

  3. Full Rent Cost. If you need cash now and would like to keep the full payout for your home, you can choose to simply pay your monthly rental fee as you go. This grants you full access to your money to budget it throughout the terms of your lease. 
Who takes care of the inspection, closing costs, homeowner’s insurance & property taxes?
  • Inspection fee - We will handle the cost of the inspection fee for you so you have one less cost on your plate.
  • Closing costs - After your house closes, you are responsible for its closing costs. The good news is that these costs are much lower than a traditional closing fee where a realtor would take a portion for their services. For example, most realtors take 6% of the sales cost in their commissions. Our Cash & Stay program eliminates commission fees, as well as many of the other costs and fees associated with selling and moving.
  • Homeowner’s insurance - Since our capital investors will become the new owners of your house, they will pay for the homeowner’s insurance. As a tenant, you are responsible for a cost-friendly renter’s insurance policy to protect your personal belongings. For perspective, the average annual renter’s insurance cost is only $180 per year, compared to homeowner’s insurance at $1,899 per year.

Property taxes  - The taxes you accumulated throughout the calendar year up until your closing date are your responsibility, however, you do not have to worry about future taxes.

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Home Equity Agreement Instead

You now have the option to unlock your home equity without the need to sell your home, refinance your primary mortgage, or resort to other costly alternatives. This innovative solution is known as a home equity agreement (HEA). HEA's allow you to cash in a portion of your home's equity by selling a portion of its future value.

Request More Info 

Exchange A Portion Of Your Home For Cash

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Stay Frank. invests in a portion of your home's equity in exchange for a share in the property's appreciation. You then receive a lump sum of cash for the fractional equity sold.

Stay Frank. invests in a portion of your home's equity in exchange for a share in the property's appreciation. You then receive a lump sum of cash for the fractional equity sold.

Remain In Your Home As The Primary Owner

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With your home’s equity now in hand, you remain as the homeowner and can pay off debt and start on the journey to financial relief.

With your home’s equity now in hand, you remain as the homeowner and can pay off debt and start on the journey to financial relief.

Buy Your Equity Back, Or Sell

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At the end of your predetermined term, you can buy the equity back or sell the property.

At the end of your predetermined term, you can buy the equity back or sell the property.

FAQs

Do I have to own my home in full, or can I have a mortgage?

You can own your home in full or have a mortgage. Either way, you just need to have built-up equity available to tap into.

Can I still qualify if I have bad credit?

Yes! Our program is not credit-based. Check out our Do I Qualify? page for a full list of qualifications. 

Do I have to move out of my house?

No! You remain the primary homeowner. The HEA is a lein and has no occupancy rights.

How much can I get for my home?

Once you set up an account you will receive an offer. Our trusted investors offer fair market value for your home based on its current condition, neighborhood, square footage, and amenities. 

Your final cashout amount will vary based on the value of your house and how much of the future appreciation is negotiated for cashing out.

What areas do you serve?

We serve homeowners located across the United States. To see if your city applies, fill out the form below.

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Do I Qualify?

Let us help you plan a brighter tomorrow!

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Angela M.
Fort Worth, TX Resident

I don't know where I would be had it not been for Stay Frank's program. When everyone was saying no, sorry, can't help; Stay Frank. said no problem. The staff is phenomenal! They answered all of my questions. Thank you!

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Mark V.
Phoenix, Arizona Resident

I am doing much better now that I found this opportunity to be able to get ahead in my situation and still stay in my home. I am on disability and do not have many options to help me with my mortgage needs. Andrew and Stephanie were very helpful and took the time to walk me through the process. I am grateful for the opportunity to participate with the team at Stay Frank. Thank you for everything.