Make room for more
Renovations, repairs, or an ADU.
California home equity investment
Need cash from your home?
Explore an HEI.
A California home equity investment (HEI), also called an HEA, is generally an equity-sharing agreement rather than a traditional loan. Many programs do not require a scheduled monthly loan payment, but a settlement amount is still due under the contract when a triggering event occurs or the term ends.
A future settlement is still due and can be substantial. Your existing mortgage, taxes, insurance and upkeep continue.
A specialist follows up to review your options and next steps. No commitment.
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Many HEI programs
No scheduled monthly loan payment
No scheduled monthly loan payment
The simple version
Cash today. A share of value later.
An HEI exchanges cash today for a future settlement tied in part to your home’s value. Equity Edge helps you understand that obligation before you decide whether to apply.
- 01
Start with your home
Review your home’s value, mortgage balance, and the cash you need.
- 02
Receive cash
Many programs have no scheduled monthly loan payment. A settlement is due later.
- 03
Settle the agreement
At sale, refinance, buyout, or the term’s end, settle using the provider’s formula.
Illustrations show the process, not amounts or ownership percentages. Costs, valuation, and settlement terms vary by provider.
A little more breathing room
What’s next for you?
Simplify your finances
Address high-interest debt or major expenses.
Plan your next chapter
Family needs, retirement, or a new venture.
Two different approaches
HEI or HELOC?
See the tradeoff.
Home equity investment
A share of future home value
- Access
- One lump sum
- Each month
- Generally no scheduled loan payment
- Later
- Settle under an equity-sharing formula
The tradeoff: your eventual settlement can be substantial as your home’s value changes.
Home equity line of credit
A loan secured by your home
- Access
- Draw funds during a draw period
- Each month
- Payments generally required
- Later
- Repay the balance plus interest
The tradeoff: monthly payments, often with a variable rate that can change.
Actual costs and eligibility depend on the provider. Understand HEI settlement terms · Explore California HELOCs
A clear place to start
Understand the cash now.
Plan for the settlement later.
Share your property details in the short form. An Equity Edge specialist follows up to discuss your cash goal, potential fit and the provider requirements that still need review. You will not receive an instant offer or approval.
What we help you work through
Your home value, mortgage balance and cash goal
Cash after fees and the future settlement formula
Documents, eligibility questions and your exit plan
Eligibility, terms, and availability vary. Not a commitment to lend.Is a Home Equity Investment a loan?
An HEI is generally structured as an equity-sharing agreement rather than a traditional loan. Many HEIs do not charge loan interest or require a scheduled monthly loan payment, but a settlement amount is due under the contract when a triggering event occurs or the term ends.
How much can I get with an HEI in California?
The amount depends on the provider's limits, the property's appraised or independently determined value, existing liens, requested proceeds, and final eligibility review. A licensed review can identify which provider ranges may apply, but it is not an approval or funding promise.
What credit score do I need?
Credit requirements vary by HEI provider and can change. Providers may also review property value, mortgage balance, liens, occupancy, and other eligibility factors. Confirm the current criteria for the specific agreement you are considering.
How long does an HEI take to fund?
Timing varies by provider and file. Valuation, title, required documents, property condition, and final review can all affect the schedule. Do not rely on an estimated closing date until the provider confirms it for your file.
What happens if my home value goes down?
Treatment of a decline in value is contract-specific. Some agreements may share part of the downside, while valuation adjustments, fees, floors, or other provisions can change the result. Review the actual settlement formula and downside provisions before signing.
Can I pay off the HEI early?
Many agreements provide a buyout process, but timing, valuation, minimum return, fees, and other conditions vary. Verify the early-settlement section of the provider's contract before relying on this option.
Further reading
In TechBullion
Questions to ask before accessing home equity.
Educational coverage mentioning Equity Edge Lending; not a product endorsement.