Home equity investment · California · HELOC alternative

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A California home whose owner accessed their equity with a Home Equity Investment
The HEI Advantage

Why choose a Home Equity Investment?

  • check_circleReceive up to $500,000 upfront
  • check_circleNo income or employment required
  • check_circleNo monthly payments during your term
  • check_circleUse the funds however you wish
  • check_circleFlexible terms from 10 to 30 years

In exchange, the investor receives an agreed share of your home’s future value. Subject to eligibility — up to 25% of your home’s value (max $500,000), a 500+ credit score, and an eligible California property.

Calculate my equity
Simple Process

How does a Home Equity Investment work?

1

Pre-qualification

Your advisor collects basic details about you and your property, then estimates the equity you can access.

2

Complete your application

Upload a mortgage statement (if applicable), a home-insurance declaration page, and a photo ID.

3

Get approved & accept

Your home is appraised, then your advisor coordinates a convenient time to sign your closing documents.

4

Receive your funds

After signing, your funds are wired directly to your preferred account.

In most cases, the HEI process takes about 10-14 business days. Every situation is different so please consult your advisor for information on turn times.

Who Qualifies

Check your eligibility

Home Equity Investment (HEI) programs feature no income or employment requirements. Just a 500 minimum credit score and an eligible property.

Homeowner

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    500 minimum credit score

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    No income or employment requirement

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    Accepts a junior position behind your current mortgage, or a first position if the home is owned free and clear.

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    Properties held by a trust or LLC

Property

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    Has an appraised value between $200,000 to $5,000,000

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    Maximum investment is 25% of your home's value or $500,000

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    Is a single-family residence, condominium, townhome, or multi-family residential (2-4 units)

See If You Qualify
How It Compares

How is an HEI different from other loan options?

Feature HEI HELOC

This chart is for informational purposes only.

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Good to know

Common questions

What is a Home Equity Investment (HEI)?
An HEI gives you cash today in exchange for a share of your home's future value — with no monthly payments. In exchange, the investor receives an agreed share of your home’s future value.

How much home equity can I access with an HEI in California?
Most homeowners can access a portion of their equity as a lump sum, based on your home's value and how much equity you hold.

Who owns the home after I receive my investment?
You do — you keep the title, live in your home, and make the decisions. The provider only shares in its future value.

How does the investment provider make money?
The provider earns a share of your home's value when you sell or buy them out, so their return tracks your home's appreciation.

How is an HEI different from a HELOC?
A HELOC is a loan with interest and monthly payments. An HEI has no monthly payments — you settle later from your home's value.

How is an HEI different from a reverse mortgage?
A reverse mortgage is for owners 62+ and accrues interest. An HEI has no age limit, no interest, and no monthly payments.

Related resources

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