Not a loan · No monthly payment
Your home is worth more than your bank account.
Reach it without a monthly payment.
A home equity agreement is not debt. There is no interest rate and no monthly bill. You receive a lump sum now and share a portion of your home’s value later — so you keep the house, and the asset keeps working for you.
Free · No obligation · Does not affect your credit score
How it works
Four steps. Nothing is committed until you sign, and you can stop at any point.
Tell us about the property
A ZIP code, a rough value, and what you owe. About two minutes, and no credit check to find out.
We check your options
We match your property and your reason against the providers and partners in our network.
Review the terms
You see exactly what is offered, what share is involved, and how it settles — before anything is signed.
Funds released
Funding in as quickly as 3 days for qualified applicants.
Timing is not guaranteed. Three days reflects a best case for applicants who have completed approval and whose property, title, and valuation are already clear. Most take longer, and some do not qualify at all.
A hundred reasons, in nine categories
Homeowners reach for equity for very different things, and the right structure is not the same for a kitchen as it is for a business acquisition. Start with what you are actually trying to do.
Start or grow a business
Capital to launch, buy, expand, or stabilise a company.
Buy or build real estate
Down payments, land, development, and investment property.
Improve your home
Remodels, roofs, solar, additions, and major repairs.
Settle debt and obligations
High-interest debt, tax matters, divorce, and estate settlements.
Insurance and protection
Life cover, long-term care, annuities, and asset protection.
Invest and build wealth
Portfolios, private markets, metals, and alternatives.
Pay for education
College, graduate and professional school, and certifications.
Cover medical costs
Procedures, dental, fertility, and long-term care.
Family and life events
Helping children buy, weddings, and major purchases.
Every reason we cover
All 100, linked directly. Pick the one that matches your situation.
Start or grow a business
- Start a business
- Buy an existing business
- Buy a franchise
- Expand an existing business
- Buy business equipment
- Purchase inventory
- Open a second location
- Acquire a competitor
- Fund business working capital
- Buy out a business partner
- Pay off expensive business debt
- Fund a marketing campaign
- Build an e-commerce company
Improve your home
- Major home remodel
- Kitchen renovation
- Bathroom remodel
- Add a room or addition
- Install a swimming pool
- Replace the roof
- Install solar
- Add battery storage
- Replace HVAC
- Replace windows
- Landscaping
- Build an outdoor kitchen
- Foundation repair
- Storm damage repairs
- Age-in-place modifications
- Accessibility renovation
- Install a whole-home generator
- Replace a septic system or well
- Smart home upgrade
Most common
The reasons homeowners ask about most often.
Straight answers
What is a home equity agreement?
A contract in which you receive a lump sum today in exchange for a share of your home's future value. It is not a loan: there is no interest rate and no monthly payment. It is settled in full when you sell the home, refinance, or reach the end of the agreement's term — typically 10 to 30 years.
How is this different from a HELOC or a home equity loan?
A HELOC and a home equity loan are debt. You borrow money, you pay interest, and you make a monthly payment. An equity agreement has no interest rate and no monthly payment; instead the investor participates in your home's value when the agreement ends. The trade-off is that a rising home value costs you more under an agreement than a fixed-rate loan would have.
Do I need good credit?
Credit matters less than it does for a loan, because qualification rests principally on the property and your equity position rather than on monthly repayment capacity. Requirements still vary by provider and by state, and not everyone qualifies. Checking does not affect your credit score.
How much of my equity can I access?
It depends on your property's value, what you owe, your location, and the provider. Most providers require you to retain a meaningful equity cushion, so this is not a route to accessing everything you have. You will see the specific figure before you commit to anything.
How quickly can I get the money?
Funding can happen in as quickly as three days for qualified applicants whose approval, property, title, and valuation are already clear. That is a best case rather than a typical one — most take longer, and some applicants do not qualify at all.
What happens if my home loses value?
That depends on the agreement, and it is one of the most important questions to ask. Some providers share downside as well as upside; others apply a floor that protects their position. Read the settlement terms carefully, and ask specifically what happens in a falling market before you sign.
What do I owe at the end?
The agreed share of your home's value at settlement, paid in a single amount. That is the central thing to understand: there is no monthly payment, but there is a lump sum due when the agreement ends, and you need a realistic plan for it — usually selling, refinancing, or settling from other funds.
Is Equity Direct a lender?
No. We are a marketing and referral service. We do not make credit decisions, we do not lend, and we do not provide financial, tax, or legal advice. We connect homeowners with providers and professional partners, and we are compensated for that referral.