HEI: A Smarter Shared Appreciation Mortgage Alternative?
Access Your Home’s Equity—No Monthly Payments. Thinking about a shared appreciation mortgage? Home equity investment agreements (HEIs) let you tap into your home’s equity without taking on a new mortgage. Compare offers from leading providers and see what you qualify for in minutes.
Home Equity Investment vs Shared Appreciation Mortgage
| Feature | Home Equity Investment | Shared Appreciation Mortgage |
|---|---|---|
No Monthly Payments | ||
Flexible Credit Requirement (500+) | Stricter Credit Requirement | |
No Loan | It's a loan-based service. | |
No Income Requirement |
A home equity investment (HEI) agreement is not regulated as a loan in all states. Because a lien will be placed on your home, you could be required to sell your home to satisfy repayment obligations. Always review the full terms and consult a financial advisor.