Cash from your home’s equity — without a monthly payment

A home equity investment turns part of what your home will be worth into cash you can use today.

There is no interest rate, no monthly bill and no income test. You settle once — when you sell, when you refinance, or when the term ends — and what you owe depends on what your home did in the meantime. You stay on title and go on living in the house. Property taxes, insurance and upkeep remain yours.

Not a loan. Not a reverse mortgage.

No bank is involved and nothing accrues month to month. You are agreeing to share a set percentage of your home’s value at settlement — and this page prices exactly what that costs, at every exit year.

What it can do for you

Your equity put to work — without a monthly payment.

Nothing due each month

No payment to budget for, and nothing quietly accruing on a statement. The whole obligation sits at the end.

No income or employment test

Qualification runs on your equity, your credit and the property — not on a paycheck, tax returns or a debt-to-income ratio.

Settle whenever you're ready

No prepayment penalty. Buy the share back any time inside the term, which runs at least ten years and can match your first mortgage out to thirty.

You stay the owner

Your name stays on title and you go on living in the house. Taxes, insurance and upkeep stay yours too.

The money is yours to use

Most files come in for one of these.

Paying off high-rate credit cards
Home repairs and renovation
Bridging income in retirement
Medical or long-term care costs
Buying out a spouse or sibling
Capital for a business
Education costs
A reserve you keep on hand

Eligible properties

Owner-occupied Non-owner-occupied 1–4 unit multifamily Held in an LLC Held in a revocable trust

What it actually costs turns entirely on how long you hold it and how fast your home appreciates — and it is not a small number. Price your own file below and see every outcome, not just the flattering one.

Instant HEI Estimate

Home value

Liens

FICO score

Requested

Max eligible

—

File details · · · · · · 1st mtg matures in yrs

Your investment

—

OLTV

—

Thickness

—

Split

—

HEI amount (chosen)	—
Origination fee	—
Other fees	—
Net to borrower	—

No cash to close — costs settle from proceeds.

Homeowner pays —

—

A — Equity share —

B — Safety cap —

—

HEI investment $

Min $50,000Max —

Duration — mo

1 mo—

—

Appreciation ON

Annual rate %/yr

−10%/yr+10%/yr

—

Equity share

—

Safety cap

—

You pay

—

Settlement includes any administrative and third-party fees. Figures are estimates, not an offer or a commitment to fund.

Settlement schedule

—

Year	Home value	A: equity share	B: safety cap	Homeowner pays	Eff. /mo

Every outcome, priced

What the homeowner settles for at each duration, across five paths the property could take. Select any cell to load it into the console above.

CHEAP

COSTLY

Value path

— Safety cap binding

How it works

Run your own numbers

Everything above is yours to use. No application, no credit pull, nothing recorded anywhere. Move the sliders until you understand the trade.

We talk it through

Call or send the scenario over. I'll tell you what a real offer would likely look like on your file — and if something other than an equity investment serves you better, I'll say so.

Apply, close, settle later

Application through funding typically runs two to three weeks. After that there's nothing to pay monthly. You settle whenever you sell, refinance, or buy the share back — no early repurchase penalty.

Common questions

The things homeowners ask first.

What happens to my existing mortgage?

Nothing. Same rate, same payment, same servicer — the investment records behind it. If you are sitting on a 3% first from 2021, this is the whole point: you keep it. A cash-out refinance would replace that rate with today's.

Am I giving away my equity?

Not today — you keep title and you keep living there. But be clear about what you are committing to: at settlement you owe a share of what the home is worth then, and that share is double the slice you took. The schedule above prices it at every exit point rather than describing it.

What if my home loses value?

The share cuts both ways. Settlement is a percentage of the value at exit, so if the home is worth less, you owe less. That is real protection, and it is something a loan will never give you — a loan balance does not care what your home did.

Can I settle early?

Any time inside the term, with no prepayment penalty — at sale, at refinance, or out of pocket. But early is expensive. Because settlement is a share of value rather than an accruing balance, short holds carry the highest effective cost. Look at what the first few rows of the schedule do.

Do I have to qualify on income?

No. There is no income documentation, no employment verification and no debt-to-income test. Eligibility runs on your equity, your credit and the property itself. Scores are considered from 500.

What happens if I die before settlement?

The agreement does not end with you. Your heirs settle it the same way — by selling, refinancing, or buying the share back — under the terms of the agreement. If you are planning around an estate, walk this through with your attorney before you sign anything.

Still deciding? Run your own file above, then call and I will tell you what a real offer would likely look like — including whether something other than an equity investment fits you better.

Next step

Turned down for a reverse mortgage or a HELOC?

Need cash out of your home without taking on another monthly payment?

A home equity investment has no monthly payment and no income test, which is why it reaches people conventional lending turns away — under 62, self-employed, retired, credit under 620, high DTI. You still cover taxes, insurance, and upkeep.

It isn't free — the cost lands at settlement, and you've just seen exactly what that looks like. Send me your numbers and I'll walk you through what it means for your situation.

A home equity investment is not a reverse mortgage and not a loan. Nothing accrues monthly; you settle by buying back the equity share when you sell, refinance, or reach the end of the term.

Chad G Peck

Home Equity Planner

NMLS #310031 · Reverse Freedom LLC NMLS #1382816

801-809-3872 chad@reversefreedom.com

Your scenario Edit above

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