smarts.
Get Cash From Your Home Equity With No Monthly Payments or Interest
Free estimate with a soft credit check only. Up to $600,000. Keep your low mortgage rate.
✓ This is NOT a loan
No monthly payments. No interest charges. You share a portion of your home's future value when you eventually sell — up to 10 years from now.
Check How Much You Can Get (30 seconds) →
Soft credit check only. No impact on your score. Takes 30 seconds.
Why a HELOC or refinance costs you more
Most people think HELOC or refinance when they need cash. But if you have a low mortgage rate you want to keep, both options hurt you — you're either trading a great rate for a worse one, or adding a new monthly payment you don't want.
A smarter way: home equity investment
Get a lump sum from the equity you've already built — with no monthly payments, no new interest rate, and no impact to your existing mortgage. Access up to $600,000.
1
Enter your address — 30 seconds. Instant check if your home qualifies.
2
Get a preliminary offer — within minutes. Soft credit check only.
3
Review your offer — see your cash amount. No commitment to accept.
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Check if you qualify in 30 seconds
Free estimate. Soft credit check only. No impact to your credit score.
Get My Free Estimate →✓ No monthly payments
✓ Keep your rate
✓ No income requirements
Common questions
How is this different from a loan?
A home equity investment isn't a loan — there's no interest and no monthly payments. You receive cash upfront in exchange for sharing a percentage of your home's future value when you eventually sell or settle (up to 10 years). Your mortgage stays untouched.
What's the catch?
You'll share a portion of your home's appreciation when you settle. If your home gains significant value, you'll repay more than you received. If values stay flat or drop, you repay less. It's designed for homeowners who want cash now without the monthly payment burden.
What credit score do I need?
Credit scores from 585 qualify. No income verification or DTI ratio requirements. The process uses a soft credit check only — no impact to your score.
How much can I get?
Between $15,000 and $600,000 depending on your home's value, location, and equity. Most homeowners qualify for 10–30% of their equity as a lump sum.
Can I sell my home later?
Yes, anytime. There's no prepayment penalty. You can sell, refinance, or buy out early with no fees.