Access Your Home Equity with No Payment
The most transformative home equity product on the market.
Homeowners continue to see access to equity in their homes as the main obstacle for managing debt, fueling growth and creating stability. Banks are slow, and rigid, they ask for long applications and have strict income and credit requirements. We believe you deserve greater financial flexibility, control, and support, so we built a market to help you access your equity easier, and without a monthly payment… EVER.
Need more information? Click here to watch a 1 minute video.
How It Works
Answer a few questions about you, your property, your goals.
Speak to a Home Equity Advisor who will explain how the product works.
Get matched with the best lender for your needs and receive offers.
Most Common Ways People Use This Product There’s a catch… Your can use YOUR equity however YOU want!
Pay Off Debts
Pay off debt without incurring another payment.
If you have debt, it doesn’t have to feel like a burden. You can take control of it and live the life of financial freedom you always dreamed of.
With a Home Equity Contract, you can access up to $350k of your home equity to use any way you want, like paying down your debt. Remember, there is NO MONTHLY PAYMENT with a Home Equity Contract. The average our customers save when paying off debt is $1,500 per month.
Imagine your life, only without debt.
Invest in Your Business
Keep your obligations low and help your business grow.
When you’re self-employed, it can be difficult to qualify for home equity financing. Banks can get caught up on debt-to-income ratio – but there are other options.
Home Equity Contract investors value the hard work it takes to be your own boss and a responsible homeowner that has built up equity in your home.
With a Home Equity Contract, you can tap into your home equity and get up to $350k cash to use any way you want. There are no monthly payments. Instead, the lender shares in a portion of your home's future appreciation. Because this is equity financing for homeowners, your income matters less. We look at the value of your home equity and your entire financial picture.
Thrive Without Sacrifice
Use your equity to fund what means most to YOU.
Your financial future is bright, and that is something to celebrate.
You’ve worked hard all your life, making mortgage payments and building up equity in your home. Now it’s time to reap the rewards and let your home equity pave the way for your financial freedom.
With a Home Equity Contract, you can tap into your home equity and get $350k to rid yourself of debt, fix up your home, or save for later. It’s completely up to you to use the cash however you want.
How We Stack Up
Average Credit Score
|Min score of 640||Min score of 680||Min score of 640||No firm requirement||Min score of 680|
|Average Debt-To-Income N/A||43%||43%||45%||N/A||Unknown, highly credit-driven|
|Two Months||Two Months||Two Months||Two Months||Varies|
No prepayment penalties
|Prepayment penalties||Draw requirements, prepayment penalties, fees.||Require you to first pay off your first mortgage.||Must be 62+ years old, must own home outright or have single primary lien.||Low loan amounts|
Vanessa from Scranton
I was able to pay off all my debt without incurring another monthly payment, this is an amazing product.
Anthony from Nanuet
Getting funded was a great experience, I highly recommend Home Equity Contracts.com
Curt from Seattle
I feel like I’m able to breathe, banks would not give me a Heloc and I couldn’t refinance, now I am in control and can grow my business
We are currently facilitating Home Equity Contracts in the following States:
District of Columbia