Los Angeles, CA
The home renovation
“A bank HELOC wouldn’t work with my debt-to-income.”
- check_circleAccessed $120,000 in equity
- check_circle$0 monthly payments
- check_circleCompleted the remodel and raised the home’s value
Home equity investment · California · HELOC alternative
Access your home equity with no monthly payments
Estimate your home value
Prefer to talk it through? Speak to a broker
$200,000$5,000,000
Let's calculate your equity
No monthly payments — estimate only.
27+
Years in business
130K+
Clients served
4.6
Google reviews
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, ever
- check_circleUse the funds however you wish
- check_circleFlexible terms from 10 to 30 years
Simple Process
How does a Home Equity Investment work?
1
Pre-qualification
Your loan officer 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 loan officer 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 loan officer 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)
How It Compares
How is an HEI different from other loan options?
| Feature |
Home Equity Investment
|
HELOC | Cash-out refinance | Home equity loan | Reverse mortgage |
|---|---|---|---|---|---|
| No monthly payments | check_circle | cancel | cancel | cancel | check_circle |
| No income requirements | check_circle | cancel | cancel | cancel | check_circle |
| No age limit | check_circle | check_circle | check_circle | check_circle | cancel |
| Not a loan | check_circle | cancel | cancel | cancel | cancel |
| No debt-to-income requirements | check_circle | cancel | cancel | cancel | check_circle |
| Term (10-30 years) | check_circle | cancel | cancel | cancel | cancel |
This chart is for informational purposes only.
Common scenarios
How homeowners use an HEI
A few real-world examples of how Californians tap their equity — your reason could be next. Illustrative only; your loan officer tailors the details to you.
San Diego, CA
Alternative retirement
“I needed cash flow without a new monthly payment.”
- check_circleTapped $180,000 of equity
- check_circleMonthly expenses stayed the same
- check_circleSupplemented a fixed retirement income
San Jose, CA
Debt consolidation
“My income fluctuates and I have no W-2 tax returns.”
- check_circleSecured $250,000 on flexible income terms
- check_circleWiped out high-interest debt
- check_circleKept peace of mind
Client reviews
What our clients say
4.6 on Google
Trusted by California homeowners in Los Angeles, San Diego, San Jose, San Francisco, Sacramento, and communities statewide.
Good to know
Common questions
What is a Home Equity Investment (HEI)?
A Home Equity Investment (HEI) is a way to access your home's equity as a lump sum of cash with no monthly payments and no interest. Instead of borrowing, you receive money up front in exchange for a share of your home's future value. Because it is not a loan, there is no added debt, and eligibility is based mainly on your home rather than your income.
How much home equity can I access with an HEI in California?
California homeowners can typically access up to $500,000 through a Home Equity Investment, depending on your home's value, the equity you have available, and any existing mortgage balances. You receive the funds as a lump sum with no monthly payments.
Are there any monthly payments with an HEI?
There are no monthly payments associated with an HEI.
Who owns the home after I receive my investment?
You do! Your home remains your home. The investment provider will record a Home Equity Investment Agreement via a Deed of Trust. You maintain all rights and responsibilities to your home.
How does the investment provider make money?
The investor makes money by sharing in your home's value at the time the investment ends. You get funds upfront, and the investor receives an agreed-upon share of the home's value when you exit your investment, which you can do anytime during your term. The share is pre-determined at closing before you receive your funds.
Are there any early repurchase penalties?
You can clear the agreement anytime during your term. There is no penalty for settling the investment before the term is over. Your term runs as long as your senior mortgage or 10–30 years from HEI origination.
Can I refinance my home in the future and maintain my agreement?
An HEI does not automatically require payoff if you choose to refinance your home. However, some traditional mortgage lenders may require repayment to the investor in order to refinance your mortgage. Many HEI providers are willing to subordinate their lien position in certain circumstances (for example, a rate-and-term refinance with no cash out) provided you meet their requirements.
How is an HEI different from a HELOC?
A home equity line of credit (HELOC) is a home-secured line of credit that lets you borrow up to a limit and repay what you use over time, usually with interest and monthly payments. An HEI isn't a credit line but a lump sum with no monthly payments. You receive funds up front and share a portion of your home's future value, with eligibility focused more on the home itself.
How is an HEI different from a reverse mortgage?
A reverse mortgage is a home-secured loan generally designed for older homeowners (often 62+). It can provide funds as a lump sum, a line of credit, or ongoing payouts, and it typically requires the home to remain your primary residence; moving out for an extended period can trigger the loan becoming due.
An HEI works differently: there's no age requirement, you receive funds up front with no monthly payments, and the amount to repurchase your investment option is based on your home's future value. You do not have to use your home as your primary residence while your HEI is active.
Ready to tap into your home equity?
Estimate what you could access in about a minute — no income, no employment, and no monthly payments. Checking is free and won’t affect your credit score.