1
Minimum credit
500
Licensed Provider
Best Home Equity Investment Companies
November 2026Get cash from your home. No monthly payments.
Compare home equity investment companies that give you cash today for a share of your home's future value — without refinancing your mortgage.
- No monthly payments
- Credit scores from 500
- No income requirement options
- Keep your current mortgage
Home equity investments (also called home equity agreements) are not loans.
Compare home equity investment companies
Top home equity options, ranked
2
Minimum credit
500
Licensed Provider
Unlock Home Equity Agreement
3
Minimum credit
500
NMLS #1993600
Nada Home Equity Agreement
Simple · No monthly payments
How it works in 3 steps
Cash now, settle later — when you sell, refinance or reach the end of the term.
1
Minutes
Check your offer
Answer a few questions about your home. Most companies show an estimate in minutes with a soft credit check that won't affect your score.
2
No obligation
Appraisal & review
The company confirms your home's value. You review the terms and the share of future value before you sign anything.
3
No monthly payments
Get your cash
Receive a lump sum with no monthly payments. You settle in one payment later, when you sell, refinance, buy it out or the term ends.
Home equity investment vs. HELOC vs. cash-out refinance
Monthly payments
- Home equity investment
- None
- HELOC
- Yes
- Cash-out refinance
- Yes
Interest
- Home equity investment
- None — company shares in your home's future value
- HELOC
- Variable APR
- Cash-out refinance
- New mortgage rate
Typical minimum credit
- Home equity investment
- 500–585
- HELOC
- 620–680
- Cash-out refinance
- 620+
Income verification
- Home equity investment
- Usually not required
- HELOC
- Required
- Cash-out refinance
- Required
Keeps your current mortgage
- Home equity investment
- Yes
- HELOC
- Yes
- Cash-out refinance
- No — replaces it
Best for
- Home equity investment
- Lots of equity, but credit, income or cash flow makes a loan hard
- HELOC
- Good credit and steady income
- Cash-out refinance
- When today's rates beat your current rate
Is a home equity investment right for you?
Good fit
- You have significant equity (often 25–30%+)
- Your credit or income makes a HELOC hard to get
- You don't want another monthly payment
- You plan to sell or refinance within the term
Probably not a fit
- You qualify for a low-rate HELOC and can afford the payments
- You expect big price growth and want to keep all of it
- You have little equity
- Your home is a mobile or manufactured home
Example: your home is worth $400,000 and you receive $40,000 today. Instead of interest, the company receives an agreed share of your home's value when you settle, so your final cost depends on what your home is worth then. Ask each company for its fees and its cost cap.
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No-obligation estimates
Checking your offer is free and doesn't commit you. Most companies start with a soft credit check.
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Our innovative finance AI agent reviews every home equity investment offer. We're paid by some providers, and we show you how that affects placement and scores.
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FAQs
Home equity investments — answered
A home equity investment (HEI), also called a home equity agreement (HEA), gives you a lump sum of cash today in exchange for a share of your home's future value. It's not a loan: there's no interest and no monthly payment.
No. You don't borrow money or pay interest. The company buys a share of your home's future value and places a lien on your home until you settle.
Typically from about $15,000 up to $500,000–$600,000, depending on the company, your home's value and your equity. Most companies require you to keep roughly 25–30% of your equity after the deal.
Point, Unlock and Nada accept scores from 500; Hometap starts at 585. A higher score can increase how much you're offered.
Most equity-sharing companies have no minimum income requirement and focus on your home and equity instead, which helps retirees and self-employed homeowners.
In one payment when you sell, refinance, buy out the agreement or reach the end of the term — 10 years for most companies, up to 30 years with Point.
Instead of interest, the company receives a share of your home's value at settlement, so the cost depends on how your home's value changes. Expect upfront fees (often around 3–5% of the amount, plus appraisal and closing costs), usually deducted from your payout. Many companies cap their total return — ask for the cap.
Most companies start with a soft credit check that doesn't affect your score. A full application may include a hard check.
The agreement is secured by a lien on your home. If you can't settle at the end of the term, you may need to refinance or sell. Read the settlement terms before you sign.
It depends on the company and your county. The chart above shows only companies available in your state.
Disclaimers
The following company-specific disclosures apply to the home equity investment offers shown on this page. Click a company name to view its full disclosure. Amounts, fees, terms and availability are provided by each company and may change at any time. Always review the company's official disclosures before applying.
Advertiser Disclosure: PickYourBank may receive compensation when you click through or apply with a partner company. This may influence which offers appear and how they are ranked. Compensation does not determine our editorial ratings. Home equity investments and agreements are not loans, are not bank deposits and are not FDIC insured. Your home secures the agreement. Terms, fees and availability are set by each company.