Access
Get funds upfront
Use a portion of your home’s equity now for priorities such as home improvements, paying down other obligations, or a major life expense, subject to your agreement.
Home Equity Agreement
Make your home equity work for your next goal
Turn some of the value in your home into funds for today.
A home equity agreement (HEA), sometimes called a home equity investment, can give eligible homeowners access to a lump sum without taking on another scheduled monthly loan payment. In return, the provider receives an agreed share of the home’s value in the future. You keep ownership of your home while putting some of its built-up equity toward the plans that matter to you.
Flexibility
No added monthly payment with many agreements
Many home equity agreements are structured without scheduled monthly payments. That can offer breathing room compared with adding another monthly loan obligation.
Ownership
Stay in your home
An agreement generally does not transfer ownership to the provider. You remain the homeowner and continue living in and caring for your property.
How the process usually works
Every provider sets its own process, but a homeowner will typically move from an initial property review to a written offer, verification, and funding.
STEP 1
Check basic fit
Share information about the property, ownership, mortgage balance, and goals. Providers set their own location, property, and eligibility rules.
STEP 2
Review an offer
Compare the proposed cash amount, net proceeds after fees, future-value formula, term, and events that require settlement.
STEP 3
Verify the details
The provider may confirm the home’s value, title, existing liens, and other details before preparing final closing documents.
STEP 4
Close and receive funds
If you decide to proceed, review and sign the final agreement. Funding timing and amounts depend on the provider and completed closing requirements.
A different way to put your equity to work
Home equity can represent years of payments and changes in property value. An HEA may help make some of that value available before you sell, while letting you stay in your home. Homeowners may consider this approach when they want access to funds but prefer not to add a traditional monthly loan payment.
The trade-off is sharing an agreed portion of future home value. The amount due later depends on the agreement’s formula and your home’s value at settlement; if your home increases in value, the provider’s share may also increase. You remain responsible for your existing mortgage, taxes, insurance, maintenance, and the contract’s other terms.
Hypothetical example
See how a future-value share could add up
Imagine a contract that provides $50,000 upfront in exchange for 20% of the home’s value at settlement. If the home is valued at $500,000 then, that simple formula would produce a $100,000 provider share before any contractual adjustments or costs. This is only an illustration—not an offer or prediction. Some agreements use a different formula, such as sharing a portion of appreciation, and may include valuation adjustments, fees, or other terms. The signed contract determines the actual amount.
Cash received upfront
$50,000
Illustrative future home value
$500,000
20% example share
$100,000
Is an HEA worth exploring?
If you have built equity and want to fund an important goal without adding a scheduled monthly payment, a home equity agreement may be one option to compare. Unlike a home equity loan or line of credit, it exchanges an upfront amount for a contracted share of future home value rather than a conventional repayment schedule. Whether it makes sense depends on your plans, the offer, and what you may owe later. Review the complete terms and consider independent financial, tax, or legal advice before signing.
A clear note before you explore
This page is for general educational purposes only. It is not financial, tax, or legal advice and is not an offer or guarantee that Amerifund Equity Group provides, arranges, or endorses a home equity agreement. Product availability and contract terms vary by provider and location. Review the current documents and seek independent advice before signing.
Put your home equity in perspective.
Every homeowner’s plans are different. Talk with our team about your property and the real-estate options that may fit your situation.
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