A Home Equity Investment lets you access up to $500,000 of your home's value today. No monthly payments. No interest charges. You repay only when you sell or refinance — on your timeline.
We invest in a share of your home's future value in exchange for cash today. No monthly payments — ever. You settle when you're ready.
Fill out a short form in under 3 minutes. There's no impact to your credit score during the initial review.
We'll analyze your home's value, equity position, and location to generate a personalized offer — typically within 5 business days.
Your dedicated advisor walks you through every detail — the investment amount, the investor's equity share, and your repayment options.
Funds are wired directly to your account after closing — typically within 3 weeks of your accepted offer.
No monthly bills. No interest. Use your cash for renovations, debt payoff, retirement, or any purpose — completely your call.
Repay at any point within your term — when you sell, refinance, or choose to buy out the investor's share. You stay in control.
Compare your options side-by-side and see why thousands of homeowners are choosing a smarter way to access equity.
| Feature | HEI (This) | HELOC | Cash-Out Refi | Personal Loan |
|---|---|---|---|---|
| Monthly Payments Required | ✓ None | ✗ Yes | ✗ Yes | ✗ Yes |
| Interest Charges | ✓ None | ✗ Variable | ✗ Fixed | ✗ High |
| Impact on DTI Ratio | ✓ Minimal | ✗ Yes | ✗ Yes | ✗ Yes |
| Flexible Repayment Timeline | ✓ 10–30 Yrs | ~ 10 Yrs | ✗ Fixed | ✗ 1–7 Yrs |
| Available to Self-Employed | ✓ Yes | ~ Sometimes | ~ Sometimes | ~ Sometimes |
| Suitable for Lower Credit | ✓ 620+ | ✗ 680+ | ✗ 680+ | ✗ 700+ |
| Funds Available Up To | ✓ $500,000 | ~ $250K typical | ~ Varies | ✗ $50K typical |
Estimate how much cash you could access and what the investor's share might look like at settlement.
"I was drowning in high-interest debt and didn't want another loan. HEI Loans gave me $120,000 with zero monthly payments. That breathing room changed everything for our family."
"As a self-employed consultant, I couldn't get a HELOC. HEI Loans approved me based on my home's equity — not my W-2s. Process was smooth and the team was incredibly professional."
"We used our equity to fund a complete kitchen and bathroom renovation. Our home value jumped — and we didn't take on a single dollar of new debt to do it."
No credit impact. No commitment. Get a personalized estimate in minutes and a full offer within 5 business days.
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