FAQ

Frequently Asked Questions

What is a Home Equity Agreement (HEA)?

A Home Equity Agreement is a capital structure that allows homeowners to access a portion of their home’s equity without taking on debt. Instead of a loan, you receive cash today in exchange for a share of your home’s future value. There is no interest and no required monthly payment.

Is this a loan or refinancing product?

No. This is not a mortgage, HELOC, or cash-out refinance. No debt is created, and your existing mortgage terms remain unchanged.

Are there monthly payments?

No. There are no required monthly payments for up to ten years. The agreement is typically settled when you sell the home, refinance, or reach the end of the term.

Do I keep ownership of my home?

Yes. You remain the full legal owner of the property at all times. Your name stays on title, and you maintain complete control over the home.

How is the agreement settled?

The agreement is settled when one of the following occurs:

  • The property is sold

  • The property is refinanced

  • The term ends (typically up to 10 years)

At that point, the provider receives its agreed-upon share of the home’s value.

Is this confidential?

Yes. The pre-qualification process is confidential, non-obligatory, and does not involve a hard credit inquiry.

Who is this best suited for?

This option is designed for homeowners with meaningful equity who value:

  • Capital flexibility

  • Discretion

  • Balance-sheet efficiency

  • Avoiding additional monthly obligations

It is often favored by homeowners with properties valued between $2M and $5M+.

What happens if my home value declines?

If the value of the home decreases, the capital provider shares in the downside. Unlike a loan, the repayment amount adjusts based on the home’s performance rather than remaining fixed.

How much capital can I access?

Eligible homeowners typically access between $100,000 and $500,000+, depending on property value, existing mortgage balance, and location. High-value properties may qualify for higher amounts.

Is income verification required?

In many cases, income verification is not required. Eligibility is primarily based on property value, available equity, and overall risk profile rather than monthly income.

What credit score is required?

Programs often accept credit scores starting around 500, though stronger credit profiles may receive more favorable terms.

How do homeowners typically use the funds?

High-net-worth homeowners commonly use this capital for:

  • Strategic investments

  • Portfolio rebalancing

  • Property improvements

  • Business or private ventures

  • Liquidity without disrupting existing financing

There are no restrictions on use.

How long does pre-qualification take?

Most homeowners can determine eligibility in under 60 seconds by completing the initial form.

Can I speak with someone before proceeding?

Yes. Our role is to help you understand the structure, confirm eligibility, and determine whether this option aligns with your broader financial objectives.

  • Review potential options available to your property.

Ready to Determine Eligibility?

Unlock Equity Cash provides a discreet way to explore residential equity access without pressure or obligation.

Begin Pre-Qualification