Home Equity Investment (HEI)
Get cash for a share of your home future value — no monthly payment.
How it works
A home equity investment (HEI), or shared-equity agreement, gives you a lump sum today in exchange for a share of your home future value - with no monthly payments. You repay the investor, typically within 10-30 years or at sale, based on the home value then. It suits owners who want cash without adding a monthly payment, accepting they share future appreciation.
Key things to know
- Combined loan-to-value usually caps near 85% (cash-out refinance at 80%).
- A second lien keeps your first mortgage; a cash-out refinance replaces it.
- Compare the rate type — fixed (home equity loan) vs variable (HELOC).
- Budget for closing costs (often lower or waived on HELOCs).
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Frequently Asked Questions
- What is the home equity investment (hei)?
- A home equity investment (HEI), or shared-equity agreement, gives you a lump sum today in exchange for a share of your home future value - with no monthly payments. You repay the investor, typically within 10-30 years or at sale, based on the home value then. It suits owners who want cash without adding a monthly payment, accepting they share future appreciation.
- Will it affect my first mortgage?
- Only a cash-out refinance replaces your first mortgage. A HELOC, home equity loan, or second mortgage sits behind it and leaves that rate alone.