Home equity investment · HEI
Cash from your equity. Payments: zero.
An HEI trades a share of your home's future appreciation for a lump sum today: no monthly payments, no income docs, and nothing due until you sell, refinance, or buy it back.
Program snapshot
HEI at a glance
- Monthly payment
- none, ever
- You receive
- a lump sum today
- In exchange
- a share of future appreciation
- Qualifies on
- equity, not income or DTI
- Ends at
- sale, refi, buyback, or term
Offered through third-party home equity investment providers in select states. An HEI is not a loan; terms vary by provider and change without notice. Not an offer or approval.
House-rich shouldn't mean payment-poor.
We arrange HEIs through specialty investment partners and quote them beside our HELOC and home equity loan menu, so the whole fork is on one table.
$0/mo
for up to 30 years
The no-payment way to tap equity
A home equity investment isn't a loan: you receive a lump sum today and make no monthly payments, ever. Nothing is due until you sell, refinance, buy the investment back, or reach the end of the term.
- No monthly payment, no interest bill
- No new debt payment on your budget
- Terms run up to 30 years
no DTI
income and credit flexible
Qualification your bank can't match
Because nothing is owed monthly, there's no debt ratio to pass. Qualification leans on the equity itself, so retirees, the self-employed, and homeowners rebuilding after a credit event are exactly who this was built for.
- No income documentation
- Credit events aren't disqualifiers
- The equity does the qualifying
yours
the title, the home, the choice
You stay the owner
You keep the title, live in the home, and choose the exit: sell whenever you like, refinance, or buy the investment back on your own schedule. The investor holds a share of the future value, not the keys.
- Full ownership and title stay with you
- Buy back the investment anytime
- Sell or refinance on your schedule
The straight talk
A real tool with a real price. Here's both, plainly.
The honest trade, out loud
The investor's return is a share of your home's future appreciation, capped at a maximum annual return so a hot market can't run away with your equity, and shared on the downside too if values fall. You're trading tomorrow's upside for today's cash with no payment. That's the whole deal, and it deserves eyes open.
Who it actually fits
Equity-rich homeowners who don't want or can't carry a new payment: retirees on fixed incomes, self-employed owners between strong tax years, homeowners rebuilding credit, or anyone bridging to a sale a few years out. Cash-poor, house-rich, payment-averse: this is the tool.
vs a HELOC, told straight
If you qualify for a HELOC or home equity loan, borrowing is usually the cheaper path over time, and we'll tell you exactly that. The HEI earns its place when qualifying fails, payments don't fit, or the no-payment structure is worth its price. We offer both sides of that fork and quote them together.
Available in select states
Home equity investments are offered through our HEI partners in a growing list of states, including Virginia in our own footprint. Whether your state and property qualify is the first thing we confirm, in the first conversation.
Cash in weeks, no bill after.
- 1
Send your scenario
The home, roughly what it's worth, what's owed on it, and what the cash is for. No income documents needed.
- 2
See the offer beside the alternatives
The HEI offer quoted next to HELOC and home equity loan options, so the no-payment structure is a choice, not a default.
- 3
Fund, live payment-free, settle at exit
Cash arrives, no monthly bill follows, and the investment settles when you sell, refinance, buy it back, or the term ends.
The quick eligibility check.
- No monthly payments
- No income documentation
- Credit events OK
- You keep title and ownership
- Buy back anytime
- Select states (Virginia included)
Can you carry a payment comfortably? A HELOC or home equity loan is usually the cheaper path, and the home equity calculator will show you what that looks like in numbers.
Straight answers
What is a home equity investment, exactly?
An agreement, not a loan: an investor gives you a lump sum today in exchange for a share of your home's future value, settled when you sell, refinance, buy the investment back, or reach the end of the term, commonly 30 years. No monthly payments, no interest meter running.
If there's no payment and no interest, what does it cost?
The share of appreciation. If your home grows in value, the investor's share of that growth is the price of today's cash, capped at a maximum effective annual return so a booming market can't take more than the ceiling. If your home loses value, the investor shares that loss too. It can cost more or less than a loan would have; the exit math is knowable and we'll walk it with you.
Do I give up ownership of my home?
No. Title stays in your name, you live there exactly as before, and you keep every homeowner obligation and right: taxes, insurance, upkeep, and the decision of when to sell. The investor holds a contractual share of future value, not a place on your deed as owner.
Who qualifies?
Homeowners with meaningful equity, in eligible states. Because there's no payment, there's no income or debt-ratio test, and credit requirements are far more forgiving than any loan's. It's often the only equity tool available after a credit event or during a thin-income stretch, and sometimes it's simply the preferred one.
How does it end?
Four doors: sell the home and settle from proceeds, refinance and settle, buy the investment back early with cash or a new loan once you qualify again, or reach the end of the term. You pick the door and the timing; many homeowners use an HEI as a bridge and buy it back within a few years.
Should I do this instead of a HELOC?
Only if the fork points this way. Qualifying for a HELOC usually makes borrowing the cheaper long-run path, and when that's true we'll say so plainly. The HEI wins when payments don't fit the budget, qualifying isn't in reach, or payment-free flexibility is genuinely worth its price. We quote both and show the math side by side.
Your equity can work without a monthly bill.
Two minutes to send your scenario. No income docs, no cost, no obligation, and the HEI quoted beside every alternative you might prefer.
Guthix Lending • NMLS# 2672037· A home equity investment is not a mortgage loan; it is a shared-appreciation agreement offered by third-party investment providers through our partners, secured by an interest recorded against the property, and available only in select states and for qualifying properties and equity positions. The provider's return is a share of the home's change in value, subject to provider terms including return caps, and homeowner obligations such as taxes, insurance, and upkeep continue. Costs can exceed those of a loan depending on appreciation and timing. Nothing here is tax, legal, or investment advice. Not all homeowners will qualify. This is not a commitment or an offer of specific terms.