How do I pay back an HEI if there are no monthly payments?

You settle the agreement in one of three ways: sell the home, refinance, or buy back the investment with other funds, any time within the agreement term. The amount you settle for depends on your home's value at that time and the share spelled out in your agreement.

Can I qualify for an HEI with poor credit?

HEIs are one of the most credit-flexible ways to access equity. Because there is no monthly payment to underwrite, approval centers on your equity position, and there is no minimum FICO requirement.

How is an HEI different from a HELOC or cash-out refinance?

A HELOC and a cash-out refinance are loans: you make monthly payments and pay interest. An HEI has neither. The trade-off is that the investor shares in your home's future value, so the cost is unknown until you settle and depends on how much the home appreciates.

Is an HEI right for me?

An HEI can fit homeowners who have significant equity but don't want a new monthly payment, can't document income the traditional way, or don't qualify for a HELOC on credit. Because the long-run cost depends on appreciation, it deserves a side-by-side comparison with loan options. That comparison is exactly what we walk through with you.

Home Equity Investment (HEI)

Cash for your equity. No monthly payments, no FICO requirement

A Home Equity Investment (also called a Home Equity Agreement) gives you a lump sum of cash today in exchange for a share of your home's future value. It is not a loan: there are no monthly payments and no interest charges, and there is no FICO requirement. You qualify on the equity in your home. You settle the agreement when you sell, refinance, or buy back the investment within the agreement term.

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Key Advantages

Why Choose a HEI?

Here's what sets this loan product apart and who it works best for.

No Monthly Payments

Nothing is due month to month. The investment is settled when you sell, refinance, or buy it back within the term.

No FICO Requirement

Approval is based on the equity in your home rather than your credit score, so there is no minimum FICO to qualify.

No Interest Charges

An HEI is an investment in your home's future value, not a loan, so no interest accrues on the cash you receive.

Income Flexibility

Qualification centers on your home equity, which helps homeowners with hard-to-document income or high debt loads.

Eligibility

Qualification Requirements

General guidelines for Home Equity Investment (HEI) eligibility. Requirements vary by lender and scenario.

Requirement	Guideline
FICO Requirement	None. You qualify on the equity in your home
Monthly Payments	None
How It's Repaid	Sell, refinance, or buy back the investment within the agreement term
Qualification Basis	Home equity; income documentation is not the basis of approval
Structure	Equity-sharing agreement (not a loan); the investor shares in future value

These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.

FAQ

Frequently Asked Questions

Common questions about Home Equity Investment (HEI) loans.

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West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

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