Home Equity Agreement Program

Put Your Home Equity to Work

A Home Equity Agreement provides an upfront payment today in exchange for a share of your home’s future value. Settlement is deferred until you sell, refinance, or the term ends.

Check Your Home's Eligibility See How It Works

You'll continue with Barastone, who conducts the property review and approves the investment. No obligation.

Monthly Payments*

Yours

Ownership and Control

2 min

Eligibility Check

* No monthly payments during the Investment Period. A Final Settlement Amount based on your home's value at that time is due at the end of the Investment Period or upon sale or refinance. In a high-appreciation scenario, this amount may substantially exceed the investment proceeds received. A security interest is recorded against the property until the agreement is settled.

Benefits

Why Homeowners Choose an HEA

No Monthly Payments

A Final Settlement Amount based on your home's value at that time is due at the end of the Investment Period or upon sale or refinance. In a high-appreciation scenario, this amount may substantially exceed the investment proceeds received. You settle when you sell, refinance, or the term ends.

Keep Full Ownership

You retain full ownership and control of your home. You make all decisions about the property and remain responsible for taxes, insurance, and maintenance.

Flexible Use of Proceeds

Use the funds for home improvements, education, consolidating obligations, or any other purpose.

Homeowner Protection Cap

The maximum cost is subject to a homeowner protection cap of no more than 20% annualized, regardless of future home value.

Process

How It Works

A transparent process from eligibility check to funding, with settlement deferred until sale, refinance, or the end of the term.

Check Eligibility

Answer a few questions about your property and home equity position. The initial check takes about two minutes.

Review Your Offer

Receive a detailed offer outlining your advance amount, Investment Period, and Settlement Multiplier.

Close and Fund

Complete the agreement and receive your funds. A security interest is recorded against the property.

Settle Later

Settle the agreement by paying the Final Settlement Amount when you sell, refinance, or the term ends.

Questions

Frequently Asked Questions

What is a Home Equity Agreement?

A Home Equity Agreement (HEA) is structured as a purchase of a partial interest in the future value of your home. You receive an upfront payment today in exchange for a contractual right to a percentage of your home’s value at settlement, calculated using the Settlement Multiplier in your Agreement. You retain full ownership and control of your home. A Final Settlement Amount is due at the end of the Investment Period or upon sale or refinance.

How is this different from a HELOC or home equity loan?

A HELOC or home equity loan charges interest and requires a fixed monthly repayment schedule. With a Home Equity Agreement, repayment is deferred: you settle the agreement by paying the Final Settlement Amount, calculated using the Settlement Multiplier applied to your home’s fair market value at that time. The effective cost in high-appreciation markets may exceed a comparable HELOC or home equity loan, so compare both structures for your situation.

How and when do I settle the agreement?

Settlement occurs when you sell your home, refinance, or the Investment Period ends. You settle by paying the Final Settlement Amount, calculated using the Settlement Multiplier applied to your home’s fair market value at that time. To protect homeowners, the maximum cost is subject to a homeowner protection cap of no more than 20% annualized.

What happens at the end of the term if I have not sold or refinanced?

The Final Settlement Amount becomes due at the end of the Investment Period. Homeowners typically settle through savings, a refinance, or the sale of the home. Plan for this obligation before entering an agreement, and consider consulting independent legal and financial advisors.

Am I eligible?

Eligibility is based primarily on your home’s value, location, and your home equity position, along with property and ownership requirements. Each application is evaluated individually. The eligibility check takes about two minutes.

Get Started

See What Your Home Equity Could Do

The eligibility check takes about two minutes and does not commit you to an agreement.

What is a Home Equity Agreement?

A Home Equity Agreement (HEA) is structured as a purchase of a partial interest in the future value of your home. You receive an upfront payment today. The Capital Provider receives a contractual right to a percentage of your home’s value at settlement, calculated using the Settlement Multiplier in your Agreement. You retain full ownership and control of your home.

There are no monthly payments during the Investment Period. A Final Settlement Amount based on your home’s value at that time is due at the end of the Investment Period or upon sale or refinance. In a high-appreciation scenario, this amount may substantially exceed the investment proceeds received. The Capital Provider’s return is determined by the Settlement Multiplier applied to your home’s value at settlement. Consult the disclosure below before applying.