Last Updated: 03/10/2026
JG Wentworth
Claimed
Last Updated: 03/10/2026
SuperMoney User Recommendation Score +33
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JG Wentworth Review
Key Takeaways
- Fair credit accepted. If you have a credit score of 600 or higher, you may qualify for a home equity agreement with JG Wentworth.
- JG Wentworth’s Home Equity Cashout enables you to access the equity you’ve accumulated in your home and turn a portion of its future value into the cash you need. You can get $25,000 or more in exchange for a percentage of your home’s value.
- There are no monthly payments or prepayment penalties.
- You have up to 10 years to decide how and when you pay off your Cashout.
- Upper property value limit. JG Wentworth considers properties with values up to $2,000,000.
- Maximum investment of $500,000. Your actual offer will depend on your home's value and how much equity you have in the property.
- 10-year term. The investment has a contract term of 10 years, at which time you'll need to settle up with JG Wentworth.
- Home improvement credit. JG Wentworth LLC recognizes money you invest in eligible home improvements and adjusts the ending value so it doesn’t take a share of the value you added.
- Share of the home's future value. JG Wentworth gets paid a share of the home's value when the contract ends, ranging from 5% to 25%.
- Cash-out only. Existing homeowners can access up to 25% of their property's value.
- Only available in select states. JG Wentworth is currently available in a limited number of states.
JG Wentworth Pros & Cons
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JG Wentworth FAQ
How does the JG Wentworth product work?
How much will JG Wentworth LLC invest?
| Term | Amount |
| Investment Amount | $25,000 – $500,000 |
What are the costs associated with JG Wentworth?
JG Wentworth provides you with a lump sum of cash in exchange for a share of the future value of your home. When you decide to pay back the Cashout at or before the end of the 10-year term, we’ll be paid an agreed-upon percentage of your home’s value at that time.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Origination Fee (%) | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Share of Home Value | 5% - 25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the terms for a shared equity agreement?
How long does it take to close?
What types of property are eligible?
Intended Use- Primary home
- Secondary home
- Single-family home
- Multi-family home
- Condominium
- Townhome
Is JG Wentworth a legit company?
JG Wentworth Disclosure: Home Equity Cashouts are originated by JGW Residential. LLC (NMLS ID # 2669687 in CO and GA) NMLS Consumer Access Link . A Home Equity Cashout is not a traditional loan and does not require monthly payments. Product classification may vary by state, and in some jurisdictions, this agreement may be considered a reverse mortgage or credit obligation. Please consult with a licensed advisor or attorney to understand how this product may be treated under local law.
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