HEI Offers Get help

Independent

See which home equity investment offers you can actually get.

We check six providers' published limits and state availability against your home and credit, and estimate what each would really cost, before you apply anywhere.

See which providers fit youGrade an offer you have

Denied for a HELOC? Start here

6providers checked
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Tell us where you are. We'll reply by email with a short answer and the most important question to ask. We won't call or text.

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Your situation

An HEI costs more the faster your home grows. Try a high and a low number.

Estimates use each provider's published terms and $1,500 of third-party closing costs. Availability comes from each provider's own list, and can vary by county. Credit minimums and limits are the published ones; a provider can still decline or change terms after reviewing your home. Not an offer or a guarantee.

Already have an offer? Grade it.

Type in the terms from your offer. We turn them into one effective annual cost across home-price scenarios, and put it next to the published terms of the providers we track.

Include the provider's fee and any third-party closing costs.

You repay a share of your home's

The share, starting value, and cap are in your offer or agreement summary. If the offer uses a starting value below your home's value, choose "Appreciation only" and enter it.

Ask us about this offer

How getting an HEI offer works

Every provider runs its own process, but the path usually looks like this. Check the details with each provider.

  1. See where you fitUse the matcher above to rule out providers that don't operate in your state or can't fund your amount.
  2. PrequalifyEach provider gives you an estimate based on your home and credit. Ask several, so you have offers to compare.
  3. AppraisalThe home's appraised value sets the starting value your share is measured from. It's one of the biggest drivers of cost.
  4. Compare final offersPut each offer's terms into the grader above. Compare effective annual cost, not the cash amount.
  5. CloseThe provider records a lien on your home, much like a second mortgage, until you settle.

Want someone on your side?

Tell us where you are. Kevin, Jason, or Mike will look it over and reply by email. We won't call or text.

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Where are you in the process?

We'll email you about your request. If you checked the box above, we'll also email occasional updates about home equity investments, and you can unsubscribe any time. We won't call or text. See our privacy policy.