What is a home equity investment?

A home equity investment (HEI) allows you to access your home's equity in exchange for a share of your home's future value. Unlike a loan, there are no monthly payments or interest charges. You settle the investment when you sell your home or at the end of the term (typically 10 years).

How is a home equity investment different from a HELOC?

A home equity investment has no monthly payments and no interest rate — you share a percentage of your home's future appreciation instead. A HELOC is a revolving line of credit with monthly payments and variable interest rates. HEIs are better for homeowners who want cash without adding monthly debt obligations.

How much equity can I access with a home equity investment?

Most home equity investment companies allow you to access up to $600,000 or up to 25-30% of your home's current value, depending on your home's equity and the provider's guidelines.

What type of loan do you need?

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Loan Guides & Resources

Personal Loans for Bad Credit in 2026 — Your complete guide to getting approved with a low score.
What Is a Home Equity Investment? — How they work and who qualifies.
How to Get a Personal Loan Up to $500K — Requirements and approval tips.
Home Equity vs Personal Loan — Side-by-side comparison to help you choose.
How to Improve Your Credit Score Before Applying — Proven steps to boost your score.