Last Updated: 05/01/2025
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Highlights
Credit Score Range
650 - 850
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Funding Range $
N/A
Funding Range %
0% - 80%
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Contract Term
10
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Haus Review
Haus is offered by Haus Services Inc. , a financial services company founded in 2015 and based in San Francisco, CA. Haus are available in 3 states.
Key Takeaways
- Fair credit accepted. If you have a credit score of 650 or higher, you may qualify for a home equity agreement with Haus.
- Discounted monthly payments. Instead of mortgage payments, you make a discounted monthly payment to Haus.
- 10-year term. The investment has a contract term of 10 years, at which time you'll need to settle up with Haus.
- Cash-out only. Existing homeowners can access up to 80% of their property's value.
- Only available in select states. Haus is currently available in a limited number of states.
Haus Pros & Cons
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Haus FAQ
How does the Haus product work?
A shared equity agreement (also called a shared appreciation agreement or home equity contract) is a way to sell a portion of the equity in your home to an investment company.
As a home equity loan alternative, the Haus product allows you to tap into your home equity without the monthly payments associated with traditional loans or HELOCs.
The transaction is secured by a lien on your property, but instead of paying interest or monthly payments, the investor receives a share of your home's value when the agreement ends.
How much will Haus Services Inc. invest?
Haus Services Inc. offers equity investments ranging from 0% to 80% of a property's value.
| Term | Amount |
| Equity Investment Range | 0% – 80% |
What are the costs associated with Haus?
Shared equity investments do not charge an interest rate or require monthly payments. Instead, the investor earns a return based on the future value of your home. However, most investors will charge an appraisal fee and other third-party closing costs.
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| Closing Costs ($) | $2,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the terms for a shared equity agreement?
You can use the funds for up to 10 years.
When the term ends, you must settle the agreement by returning the investment, selling the home, refinancing, or partnering with the investor for another term.
Settlement is based on the original investment plus or minus the investor's share of the home's change in value.
How long does it take to close?
Haus does not disclose typical funding timelines.
What types of property are eligible?
Intended Use
- Primary home
Is Haus Services Inc. a legit company?
Haus Services Inc. was founded in 2015, it is a well-established company that has been in business for 11 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Haus Disclosure: Haus is not a lender. Haus invests with owners, sharing some of the upside (or downside) if they sell. In exchange for sharing some equity, homeowners get real-time access to their equity and significantly lower monthly payments than with a bank. Your monthly payment with Haus replaces your mortgage payment.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Haus Community Reviews
Would you recommend Haus to your friends?
RS
Robin S.
Feb 2, 2024
May or may not recommend
I am in San Diego, Ca, and am very confused since they apparently are an established business in California, but don’t do business in San Diego. The housing market here is disabling and we San Diegans need the support of a company like Haus ASAP! It’s an emergency for many people here who have been pushed out of the housing market.
JP
James P.
Mar 14, 2023
May or may not recommend
Been a customer for 3 years, saved a ton of money on my monthly payments, plus I am not leveraged...so I am never at risk of owing more money than I owe to a mortgage. Was able to exchange equity for a few months when I lost my job during Covid. Couldn't recommend more!
U
Anonymous
Oct 16, 2020
May or may not recommend
Agree with earlier reviewer. This is effectively the worst of debt and equity -- you pay a monthly fee (like a loan) AND you give up equity in your home. Both the debt and the equity are expensive so you end up paying a LOT. Proceed with caution and try to turn the expected costs into an APR.
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