Closing Costs (%)

Credit Score Range

Military Status

Active Duty Military

Non-Military

Veterans

Military Dependent

States Offered

WV - West Virginia

WY - Wyoming

GU - Guam

AS - American Samoa

MP - Northern Mariana Islands

PR - Puerto Rico

VI - United States Virgin Islands

AK - Alaska

AL - Alabama

AR - Arkansas

AZ - Arizona

CA - California

CO - Colorado

CT - Connecticut

DC - Washington, DC

DE - Delaware

FL - Florida

GA - Georgia

HI - Hawaii

IA - Iowa

ID - Idaho

IL - Illinois

IN - Indiana

KS - Kansas

KY - Kentucky

LA - Louisiana

MA - Massachusetts

MD - Maryland

ME - Maine

MI - Michigan

MN - Minnesota

MO - Missouri

MS - Mississippi

MT - Montana

NC - North Carolina

ND - North Dakota

NE - Nebraska

NH - New Hampshire

NJ - New Jersey

NM - New Mexico

NV - Nevada

NY - New York

OH - Ohio

OK - Oklahoma

OR - Oregon

PA - Pennsylvania

RI - Rhode Island

SC - South Carolina

SD - South Dakota

TN - Tennessee

TX - Texas

UT - Utah

VA - Virginia

VT - Vermont

WA - Washington

WI - Wisconsin

Credit home equity agreement investors will offer homeowners to compensate for funds used to make home improvements. In some cases, it means the HEI  does not share in any value created by your home improvements.

Home Improvement Credit

Unlike a HELOC, Home Equity Investment companies offer flexible approval and give you cash upfront — with no payments until you sell your home or reach the end of the agreement. Compare quotes to find your best option today.

Worried your credit will disqualify you from a HELOC? A Home Equity Investment lets you tap your home’s value — no traditional loan, no monthly payments, easier eligibility. See what you qualify for in minutes.

HEI: A Smarter Option than a HELOC When You Have Bad Credit?

Tap your home equity with a HELOC and keep access to funds as you need them. Request quotes from multiple lenders to compare rates, fees, credit limits, and draw terms. It’s free to compare terms and does not impact your credit score.

Home Equity Lines of Credit (HELOCs) offer low interest rates to homeowners.

Borrow against your home equity with a fixed-rate home equity loan and get a predictable lump sum and monthly payment. Compare competing quotes from multiple lenders to see who offers the best rate, closing costs, and repayment term. It’s free to compare and won’t affect your credit score.

Home Equity Loans offer low interest rates to homeowners.

Save money on your home loan with the best mortgage refinance options. Compare top-rated lenders offering competitive rates and flexible terms to help lower your payments or shorten your loan term.

Don't settle for high interest rates. A mortgage refinance could save you thousands of dollars.

Compare the Best Reverse Mortgage Companies: Unlock Your Home’s Equity with Trusted Lenders. Find the Right Solution for Your Retirement Goals—Get Free Quotes Today.

If you're 62 or older, you may want to consider the benefits of a reverse mortgage. Review the different types of reverse mortgages and compare rates before you decide on a particular company.

Find the best personal loans to meet your financial needs. Compare top-rated lenders offering competitive rates, flexible terms, and fast funding options.

Personal loans | Read personal loan reviews. Compare personal loan rates. Discover personal loan companies. Get instant loan offers without hurting your credit.

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Home equity investments allow you to unlock your home equity without monthly payments. See how much you could get today for a share of your home's future appreciation. We recommend you apply with the following companies and see which one offers the best terms.

Access Your Home’s Equity—No Monthly Payments. Get a cash lump sum today in exchange for a share of your home’s future value. With no monthly payments and easier qualification, a home equity investment (HEA) can be a smart solution. Apply with multiple companies for free to find the best deal, without affecting your credit score.

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Compare rates from multiple HELOC lenders. Discover your lowest eligible rate.

Compare the best home equity investment companies, also known as home equity agreements, and find the best option for you.

Access Your Home’s Equity— No Monthly Payments. Get a cash lump sum today in exchange for a share of your home’s future value. With no monthly payments and easier qualification, a home equity investment (HEA) can be a smart solution. Apply with multiple companies for free to find the best deal, without affecting your credit score.

Access Your Home’s Equity—No monthly payments. Get a cash lump sum today in exchange for a share of your home’s future value. 

You specified that you are a homeowner {{#ifCond estimated_credit_score_unsure '==' true}} {{else}} with {{>credit_score_text}} credit score{{/ifCond}}. Shared equity agreements allow you to tap into your home's equity without getting into debt. This option can be an alternative to taking out a loan since shared equity agreements have no interest rates or monthly payments to worry about.

Best HELOC with Bad Credit? There’s Another Way to Unlock Your Home’s Equity - April 2026

Best HELOC with Bad Credit? There’s Another Way to Unlock Your Home’s Equity - April 2026: Compare top providers and find the best deals for your financial situation with SuperMoney's comparison tools.

Best HELOC with Bad Credit? There’s Another Way to Unlock Your Home’s Equity April 2026