- Accepts partial payments during the term
- No monthly payments
- Get an online cash estimate in just 2 minutes
- Accepts bankruptcy resolved over 5 years ago
- Excellent (1,400+ Trustpilot customers)
- Access your equity quickly and flexibly
- No monthly payments
- Assigned a dedicated Investment Manager
- Get an online cash estimate in under 2 minutes
- Accepts bankruptcy resolved over 1 year ago
- Excellent (5,400+ Trustpilot customers)
- No payments for up to 30 years
- Funds can be used on anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
- Excellent (3,200+ Trustpilot Clients)
- Close in as fast as 2 days1
- Borrow $26,000 to $250,000
- Apply 100% online
- No annual fee, prepayment penalty, or fees to redraw2
- No paperwork needed to apply
- Excellent (56,000+ Trustpilot customers)
- May have lower fees than competitors
- No payments for up to 15 years
- No prepayment penalty
- Get an online cash estimate in just 2 minutes
- Dedicated reps help you through the process
Availability depends on your state.
Use the filter above to see what’s available in your state. If there are no results, consider alternative home equity financing solutions, such as the best HELOCs, best home equity loans, and best home-sale leasebacks.
What is a HELOC?
A HELOC is a revolving credit line secured by your home’s equity. You can draw money as needed and only pay interest on what you borrow. HELOCs require monthly payments and have credit score and income requirements.
What is a Home Equity Agreement (HEA)?
An HEA is an agreement between you and an investment company in which you receive a lump-sum cash payment in exchange for a portion of your equity. It isn’t a form of debt, so there are no monthly payments, and the eligibility requirements are more lenient.
Understanding How To Use Home Equity
Your home’s equity is the difference between what your property is worth and what you still owe on your mortgage. Over time, as you make payments and your home’s value rises, that equity builds—and it can become a powerful financial tool.
Homeowners often tap into their equity for major expenses like renovations, debt consolidation, or emergency costs. Two of the most common ways to access equity is through home equity lines of credit (HELOCs) and home equity loans.
- A HELOC functions like a credit card secured by your home, letting you borrow as needed during a draw period and pay interest only on what you use.
- A home equity loan gives you a lump sum with a fixed repayment schedule.
If you’re not interested in taking on more debt, home equity agreements (HEA), sometimes referred to as home equity sharing agreements (HESA) or home equity investments (HEI), are another option.
These allow you to receive cash in exchange for a share of your home’s future value with no monthly payments or interest charges during the term. Instead, you repay in a lump sum when the term ends, you sell the home, or you refinance your mortgage.
To understand which type of financing best fits your situation, use a home equity calculator or HELOC calculator to estimate how much equity you have and what you may be able to access.
Comparing multiple options side by side can help you find the right balance between flexibility, borrowing cost, and long-term goals.
Estimate Your HELOC Borrowing Power
Compare the Top Home Equity Solutions
1In January 2026, 10% of funded HELOCs achieved a closing timeline of 2 days or less and a funding timeline of 8 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline.
2Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of September 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate (“APR”) is variable and based on the Prime Rate as published in the Wall Street Journal “Money Rates” table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required.