Homeowner Guides
Educational resources to help you understand Home Equity Agreements and make informed decisions about accessing your home equity.
Get My Free EstimateEssential Reading
Start here to build your understanding of Home Equity Agreements.
Understanding Home Equity Agreements
A comprehensive introduction to HEAs, what they are, how they work, and whether one might be right for you.
HEA vs. HELOC vs. Home Equity Loan
Compare Home Equity Agreements to traditional financing options and understand the key differences.
How Settlement Works
Learn about the settlement process, when it happens, and how your final amount is calculated.
Pricing and Fees Explained
Understand all the costs associated with a Home Equity Agreement, from origination to settlement.
Eligibility Requirements
Find out what it takes to qualify for an HEA, including property and homeowner requirements.
Eligible Property Types
Learn which types of properties qualify for a Home Equity Agreement and any restrictions.
Making the Right Decision
Consider these factors when evaluating if an HEA is right for you.
When to Consider an HEA
- You need funds but want to avoid monthly payments
- You have significant home equity but limited income documentation
- You want to consolidate high-interest debt
- You need capital for home improvements or investments
- You're retired and want to access equity without payment burden
Questions to Ask Yourself
- How long do I plan to stay in my home?
- What do I expect to happen to home values in my area?
- Do I need all the funds now, or could I use a smaller amount?
- Have I compared this to other financing options?
- Do I understand how settlement will work?
Ready to Take the Next Step?
Now that you understand how HEAs work, see how much equity you could access with a free, no-obligation estimate.
Get My Free EstimateThe guides and educational materials on this page are for informational purposes only and do not constitute financial, legal, or tax advice. Every homeowner's situation is unique, and you should consult with qualified professionals before making financial decisions. The information provided may not reflect the most current developments and is subject to change.