home equity agreements

Turn a share of your home’s future value into cash today—without monthly payments or taking on new debt. With a Home Equity Agreement, you remain the owner of your home and get breathing room now, then settle up when you sell, refinance, or buy out the agreement later.

Why Homeowners Choose Home Equity Agreements

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    Cash Without Monthly Payments – Access funds now without adding another bill to your budget.

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    Retain Ownership & Stay in Your Home – Stay on title and remain living in your home. Keep your address, your routines, and your community ties.

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    No New Loan or Interest – This isn’t a loan, so there’s no interest or amortization schedule.

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    Flexible Payback Timing – You can buy out the agreement or settle it when you sell the home.

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    Use Funds Your Way – Pay off debt, handle big expenses, or invest in what matters most to you.

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    Shared Upside & Downside – If your home gains value, the investor gets a share. If it loses value, the investor may share in the loss too.

How It Works

You receive a Cash offer from an investor for a percentage of your home’s future value.

You sign the agreement outlining the share they’ll receive when you sell, Refinance, or buy them out.

You get your cash in a lump sum after Recording the agreement with the county—no monthly payments.

You settle later by selling the home, Refinancing, buying out the investor, or at the agreement’s maturity date.

Things to know.

Things to know.

Things to know:

✺ Not all homeowners will qualify.

✺ This is not a loan—no interest or monthly payments, but you are selling a portion of your future home value.

✺ The amount you owe later depends on your home’s value at the time of settlement—if it goes up, you may owe more than you received.

✺ Terms vary by investor and location.

✺ You must maintain the property and keep it insured.

✺ Independent legal review is strongly recommended before signing.

✺ Because the agreement is recorded with the county, you’ll typically need investor consent to add new liens or change your mortgage before settlement.

Additional Information:

Availability, pricing, and terms are set by independent investors and depend on appraisal, inspection, title, and underwriting. Sold and Stay facilitates introductions to independent investors and licensed professionals; we are not a lender, bank, broker-dealer, law firm, or fiduciary. We do not provide legal, tax, or financial advice, and you should consult your own advisors before signing any agreement. Home Equity Agreements reduce your future home equity, and if your home appreciates, you may owe more than the cash received. Terms vary by investor and location, and independent legal review is strongly recommended. Not all homeowners will qualify. Any introductions are for convenience only and do not constitute an endorsement or guarantee of performance. We and our investor network comply with all applicable Fair Housing laws.

✺ Frequently ✺
asked
questions

  • It’s an arrangement where you receive a lump sum of cash today in exchange for a share of your home’s future value. You repay the investor when you sell your home, buy them out, or at the end of the agreement term.

  • With a HEA, there are no monthly payments or interest. Instead of borrowing, you’re selling a portion of your home’s future value.

  • Yes—ownership remains in your name and you continue to live there as long as you meet your obligations in the agreement.

  • No, you may use your funds however you’d like! Pay off debt, renovate your home, cover major expenses, or invest in other opportunities.

  • Availability depends on location, investor interest, and your property details.

  • Investors look at your home’s current value, existing liens, property condition, and their underwriting criteria to offer a percentage of value. Availability and amounts vary; not all homeowners will qualify.

  • If your home sells for less, the investor may share in the loss, reducing the amount you owe.

  • You must keep the home maintained, pay your property taxes, and keep it properly insured.

  • We connect you with independent investors and licensed professionals who offer Home Equity Agreements. We are not a lender, bank, broker, or law firm, and we don’t represent any party in the transaction. Always review agreements with your own legal and financial advisors.

  • There may be minor costs associated with signing in front of a notary either in-person or online, as well as any fees associated with the recordation of the agreement with the county in which the property is located.

  • Often yes—many agreements allow early buyouts, but the cost will depend on your home’s current value at that time.

  • The agreement is recorded with the county and may need to be settled or formally consented to before you take on new financing. Terms vary by investor and location.

Curious how this might work for you?

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