Home equity
What Is a Home Equity Investment? How Homeowners Can Access Cash Without Monthly Payments
If you've built up equity in your home but don't want to take on a new monthly payment, a home equity investment (HEI) may be worth exploring.
A home equity investment allows you to receive a lump sum of cash from an investor in exchange for a share of your home's future value. There's no monthly repayment obligation. Instead, the investor receives their share when you sell the home, refinance, or at the end of the agreed term — typically 10 to 30 years.
How Does a Home Equity Investment Work?
A provider evaluates your home's current market value and offers you a portion of your equity upfront. In exchange, they receive an agreed-upon percentage of your home's value when the arrangement ends. The amount owed at settlement depends on how much your home has appreciated or depreciated over time. You remain on the title and continue living in your home as normal throughout the term.
Why Do Homeowners Consider a Home Equity Investment?
- No monthly payments — Access your equity without taking on a new monthly obligation.
- Flexible use of funds — The cash can be used for debt consolidation, home improvements, retirement expenses, or other financial goals.
- Doesn't affect your mortgage — Your existing mortgage rate and terms remain completely unchanged.
Important Things to Know
A home equity investment does involve giving up a share of your home's future appreciation. If your home increases significantly in value, the amount owed to the investor at settlement could be substantial. Not all homeowners will qualify, and terms vary by provider. This type of product may not be available in all states. Always consult a qualified financial professional before entering into any agreement involving your home.
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Featured offers
Point
Home Equity Investment & HELOC Options
Home equity products including home equity investments and lines of credit—availability and limits vary by state and property.
Products, rates, and fees change. Not all homeowners will qualify. Read current disclosures before applying.
Hometap
Home Equity Investment (HEI)
Tap home equity in exchange for a share of future sale proceeds—use funds for renovations, debt, or other goals subject to program rules.
Offers depend on property, location, and eligibility. See issuer disclosures for costs and risks.
Splitero
Home Equity Sharing
Access cash from your equity through a shared-equity style arrangement—terms vary by property and market.
Approval not guaranteed. Review the full agreement and fee structure on Splitero’s site.
Disclosure
The content of this site is for informational purposes only and does not constitute financial, legal, or tax advice. Terms, availability, and eligibility vary by provider and state. We may receive compensation if you apply through links on this site. Always review agreement terms carefully and consult qualified advisors before making financial decisions.