33 more

Last Updated: 08/18/2026

JG Wentworth Home Equity Cashout (HEC)

Q: What types of property are eligible?

Intended Use Primary home, and Secondary home Property Type Single-family home, Multi-family home, Condominium, and Townhome

from JG Wentworth LLC

Last Updated: 08/18/2026

Mostly recommended17 total votes

11 users recommend

2 users are unsure

4 users don't recommend

Community Recommended Products

View All

Mostly recommended21 Reviews

Learn More

Mostly recommended53 Reviews

Learn More

Strongly recommended90 Reviews

Learn More

Compare All Home Equity Investment Companies

Filter & compare all your options in one place.

View All Products

Highlights

Community Rating

Mostly recommended

Credit Score Range

Starting at 600

Disclaimer popup with additional information

Funding Range $

$25,000 - $500,000

Funding Range %

Up to 25%

Contract Term

Disclaimer popup with additional information

Number of Reviews

JG Wentworth Home Equity Cashout (HEC) Review

JG Wentworth Home Equity Cashout is offered by JG Wentworth, a nonbank financial services provider founded in 1991 and based in Chesterbrook, PA. JG Wentworth Home Equity Cashout is available in 10 states.

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 Home Equity Cashout (HEC).
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.
Property value range. JG Wentworth considers properties with values ranging from $200,000 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 Home Equity Cashout (HEC) 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 Home Equity Cashout (HEC) is currently available in a limited number of states.

JG Wentworth Home Equity Cashout (HEC) Pros & Cons

Pros

Cons

Access cash without adding a monthly bill - A Home Equity Cashout isn’t a loan, so there are no monthly payments.
You receive cash up front and repay when you sell, refinance, or reach the end of the agreement.
Use the funds however you need - pay off high-interest debt, make home improvements, or cover major life expenses.
Flexible qualification - approval is based primarily on your home’s value and equity.
Includes a home improvement credit so you keep the value added by your upgrades.
Considers applicants with fair credit.
Allows for a loan-to-value ratio of up to 75%, which is high compared to other shared equity investors.
Offers financing for single-family homes, multi-family homes, condominiums, and townhomes.

Offer only available in 16 states, and Washington, DC.
May take 3+ weeks to receive funds.

JG Wentworth Home Equity Cashout (HEC) FAQ

How does the JG Wentworth Home Equity Cashout (HEC) product work?

JG Wentworth’s Home Equity Cashout enables you to access the equity you’ve accumulated in your home without monthly payments. You receive a lump sum of cash upfront in exchange for a percentage of your home’s future value later.

This product is designed for homeowners with less than perfect credit who need cash for reasons such as paying down expensive debt or paying for large or unexpected expenses. You can choose how and when you use your funds.

You have up to 10 years to decide how and when you pay off your Cashout. There are no prepayment penalties, and you can make partial payments at any time.

You retain full ownership of your home, continue to live in your home and enjoy all the benefits of homeownership during its term.

How much will JG Wentworth LLC invest?

JG Wentworth LLC offers equity investments of up to 25% of a property's value. The maximum investment in a single home is $500,000.

While JG Wentworth Home Equity Cashout (HEC) is not a traditional loan, the maximum lien-to-value ratio is 75%. This means the total of the investment return plus any existing mortgage balance cannot exceed that percentage of the property's value.

JG Wentworth Home Equity Cashout (HEC) Terms & Requirements

Term

Amount

Investment Amount

$25,000 – $500,000

What are the costs associated with JG Wentworth Home Equity Cashout (HEC)?

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.

JG Wentworth Home Equity Cashout (HEC) Fees

Description

Origination Fee (%)

4.99%

Share of Home Value

5% - 25%

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.

The settlement amount is based on the agreed-upon percentage of your home's value at the time of settlement.

How long does it take to close?

Funding typically occurs within 21 days.

What types of property are eligible?

Intended Use

Primary home
Secondary home

Property Type

Single-family home
Multi-family home
Condominium
Townhome

Is JG Wentworth a legit company?

JG Wentworth was founded in 1991, it is a well-established company that has been in business for 35 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

Provider 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.

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.

Message from JG Wentworth

For over 30 years, JG Wentworth has helped hundreds of thousands of clients achieve their financial goals. Our Home Equity Cashout is designed specifically to help you get the cash you need, when you need it.

Contact

Headquarters

1200 Morris Dr

Chesterbrook, PA 19087

Visit Site

Hours of Operation

SundayClosedMonday9:00AM - 6:00PMTuesday9:00AM - 6:00PMWednesday9:00AM - 6:00PMThursday9:00AM - 6:00PMFriday9:00AM - 6:00PMSaturdayClosed

Other Services by JG Wentworth LLC

Debt Help

Be the first to rate

Availability

Available in 16 states and Washington, D.C.

Arizona
California
District of Columbia
Florida
Georgia
Illinois
Indiana
Michigan
Missouri
Nevada
New Jersey
Ohio
Pennsylvania
South Carolina
Tennessee
Utah
Washington

SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +41, or 3.8 on a 5-point rating scale.

+41

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Reviewer Sentiment Over Time

JG Wentworth Home Equity Cashout (HEC) Community Reviews

Would you recommend JG Wentworth Home Equity Cashout (HEC) to your friends?

Larry L.

Jul 28, 2026

Would not Recommend

denied my application because my property lot was too big

Ron S.

Jul 15, 2026

Would Recommend

Apication was easy. Gather a few documents and make a few calls. Fairly quick and painless.

Evelyn S.

Jul 5, 2026

Would Recommend

The service I received from Jaime Avnam was truly exceptional. Jaime was professional, knowledgeable, and patient throughout the entire process. The clear, detailed communication made every step easy to understand, and her willingness to go above and beyond did not go unnoticed. Thank you again, Jaime. I genuinely appreciate the outstanding service you provided.

Donald H.

Jun 25, 2026

Would Recommend

I was backed in a corner with debt. They really helped me catch up. It's a bit costly but they were there for me. John was easy to talk to and the process was fast and smooth.

Jeffrey E.

Jun 24, 2026

Would Recommend

Jamie was very friendly, professional, and easy to work with. We had some unexpected issues come up and she worked through them. She always had a great attitude and was always available. Would recommend JGW and tell them to ask for Jamie.

Adrian N.

Jan 4, 2026

Would Recommend

I used the funds for a down payment on a second property. JG Wentworth is one of the few places that will work with you on a cashout like this. I’m giving 4 stars because the availability is limited to select states, but the process itself was seamless and the customer service was very responsive.

Julian R.

Jan 4, 2026

Would Recommend

It took about 4 weeks to get funded, which was a bit longer than I hoped, but the service was top-notch. I'm giving 4 stars instead of 5 because of the 4.99% origination fee, but since there are no monthly interest payments, it’s a trade-off I was happy to make. Great for people with a lot of equity but lower cash flow.

Maya C.

Jan 4, 2026

Would Recommend

I was struggling with high interest rates on my credit cards and didn't want to add another monthly bill to my budget. JG Wentworth was the perfect solution. I got the cash I needed to clear my debt, and the best part is there’s zero monthly payment for the next 10 years. It’s given my family so much breathing room!

Dianne S.

Dec 31, 2025

Would not Recommend

While the idea behind JG Wentworth Home Equity Cashout is appealing, the process took longer than I expected. Communication slowed down at times, and it took over three weeks before funds were available. The origination fee also felt high compared to other options.

Tracy J.

Dec 31, 2025

May or may not recommend

JG Wentworth made the process feel flexible and homeowner-friendly. I liked that there were no prepayment penalties and I had up to 10 years to decide how to settle the cashout. Customer service was patient and professional whenever I had questions.

Lucy N.

Dec 31, 2025

Would Recommend

My experience with JG Wentworth Home Equity Cashout was very reassuring. They worked with my fair credit, explained the future value share clearly, and made sure I understood every step before moving forward. Having access to cash without monthly payments gave me real peace of mind.

Brenda G.

Dec 27, 2025

Would not Recommend

The no monthly payment aspect is nice, but the origination fee felt high once everything was finalized. I didn’t fully appreciate how much of my home’s future value I was giving up until reviewing the final paperwork. This option works, but it’s not cheap

Ariel M.

Dec 27, 2025

Would not Recommend

While the concept sounded appealing, the process with JG Wentworth took longer than I expected. It took over three weeks to receive funds, and communication slowed down near the end. I wish timelines had been clearer from the beginning.

Deborah A.

Dec 27, 2025

Would Recommend

I chose JG Wentworth because they work with fair credit, and I’m glad I did. The application was straightforward, communication was consistent, and I always knew what to expect. Having up to 10 years to settle the agreement made this option feel manageable.

Dee B.

Dec 27, 2025

May or may not recommend

JG Wentworth made the home equity cashout process far less intimidating than I expected. Their representatives were knowledgeable and took time to answer all my questions without pressure. Not having monthly payments gave me flexibility during a time when cash flow really mattered.

Regina B.

Dec 27, 2025

Would Recommend

My experience with JG Wentworth Home Equity Cashout was smooth and reassuring from the start. The team was patient, explained how the future value share worked, and never rushed me into a decision. Getting the cash I needed without monthly payments made this a great option for me.

Memoona J.

Dec 22, 2025

Would Recommend

I needed to understand what really happens when using home equity for cash and what to expect afterward. The explanation here made the process easier to follow, from accessing funds to understanding repayment responsibilities. It gave a realistic picture rather than just surface-level information, which is helpful for anyone trying to make an informed decision.

Showing 17 of 17 reviews