American Homeowners: There’s a Smarter Way to Access Your Home Equity Without Taking on More Debt
If you’re sitting on home equity but feeling stuck because of today’s sky high interest rates, you’re not alone. Millions of Americans are watching home values soar while mortgage and loan rates head to the stratosphere. But what if you could turn that equity into cash without refinancing your mortgage or getting buried in loan payments?
Welcome to the Home Equity Agreement (HEA)
Compare Your Options: HEA vs HELOC vs Refinance
A modern solution for homeowners who want the benefits of their home’s value without the burden of traditional borrowing.
With an HEA, you can unlock anywhere from $15,000 to $500,000 in a lump sum payment – no monthly payments, and no refinancing required. Whether you need funds for renovations, debt consolidation, medical bills, tuition, or just want to boost your savings, an HEA puts real money in your hands without the stress of another traditional loan.
Unlike a HELOC (Home Equity Line of Credit) or cash-out refinance, a Home Equity Agreement is not debt. You get cash up front in exchange for a share of the future value of your home. That means no monthly payments, no refinancing your current mortgage, no impact to your existing rate. That’s huge, especially when mortgage rates are through the roof and home equity loans come with variable interest that can spike unexpectedly.
HEA: Fast, Simple, and Designed for You
Getting started takes just minutes. Here’s how it works:
1. Enter Basic Info: Provide your address and home value to prequalify.
2. Choose Your Amount: Decide how much equity you’d like to unlock.
3. Get an Offer: Receive a no obligation, 100% free offer—you’re in control every step of the way.
You can check your home’s eligibility right now without a hard credit pull or any upfront commitment.
Minimum Credit Score of 500 Makes Qualifying Easy
Banks turn people away all the time, especially if your credit score isn’t perfect or your income is unpredictable. But HEAs are different. With a minimum credit score of just 500 and no income verification required, more homeowners than ever are finding out they qualify.
That means no endless paperwork and no jumping through hoops just to access your own equity.
Now Is the Time: Home Prices Are Near All-Time Highs
Let’s be real- home values are skyrocketing across the country. The equity in your home is likely worth more than it ever has been. But markets can change. With a Home Equity Agreement, you can tap into that equity while values are still at their peak.
Imagine what you could do with that cash today, without sacrificing your low mortgage rate or adding another monthly bill.
Safe, Secure & Confidential
This is your home and your future – we take that seriously. Your personal information is protected through every step, and you’re never locked in. If you choose not to move forward, there’s no penalty and no pressure.
Ready to See How Much You Could Get?
Enter your address on the next page to check your eligibility. It only takes a few minutes, and there’s absolutely no costs, no commitment, and no pressure.
Terms and conditions apply. Some applicants will not qualify. Not available in all states.
Unlock Agreements are provided exclusively by Unlock Partnership Solutions Inc., Unlock Partnership Solutions AO1 Inc., Unlock Partnership Solutions AO2 Inc., and Unlock Homeownership Solutions Inc., all of which are wholly-owned subsidiaries of Unlock Technologies, Inc. (collectively, “Unlock”).
Unlock holds the following Real Estate Broker licenses: Arizona – CO698434000; California – 02141737; Colorado – IC100092644; D.C. – REO40000074; Florida – CQ1062618; Hawaii – RB-23715; Illinois – 478027520; Massachusetts – 423954; Michigan – 6505431174; Minnesota – 40797638; Nevada – B.1002613; New Jersey – 2185646; North Carolina – C33769; Oregon – 201243836; Pennsylvania – RB069442; South Carolina – 25463; Tennessee – 265329; Utah – 12139955-CN00; Virginia – 0226033193; and Washington – 21010143.
The applicable Unlock entity enters into the Unlock Agreement directly with consumers and does not act as an agent or broker on behalf of any third-party. No agency relationship shall be formed between any Unlock entity and a consumer pursuant to or in connection with an Unlock Agreement. All Rights Reserved. Other terms and restrictions apply.
- Each home equity agreement (HEA) is subject to additional individual underwriting review.
- All transactions are subject to verification of your credit (with a soft credit pull), identity, property value, home insurance, title, and outstanding property liens. Other verifications may be required.
- Unlock may also require HEA proceeds to be used to clear any pre-existing liens as a condition to close.
- The following limitations shall apply in all cases: no bankruptcy, foreclosure action, short sale, or deed in lieu within the previous five years; no 90-day delinquencies on any mortgage within the prior 24 months.
- In most cases, Unlock must be in no greater than 2nd lien position and the property must be clear of any liens deemed unacceptable by Unlock in its discretion.
- A minimum HEA amount of $15,000 is required on all transactions.
- Property condition rating, as described in the Uniform Appraisal Dataset (UAD), must be at least C4 or better and properties for which comparable valuations, in the discretion of Unlock, do not exist may be ineligible.
- Not available in all states.
- To secure the performance of your obligations under HEA, Unlock will place a lien on your property in the form of either a “performance deed of trust” or a “performance mortgage” depending upon which state the property is located. The lien is terminated when you settle your HEA.
- Unlock charges up to a 4.9% origination fee and other third party paid closing costs such as appraisal, title, and government fees.
- The home equity agreement term is 10 years.
- The timeline to funding of approved HEAs may vary depending on when the homeowner submits a completed application and all supplemental documents are received and verified.
- An affiliate of Unlock Technologies, Inc., Unlock Home Equity Solutions Inc. d/b/a Unlock and/or Unlock Technologies (“UHES”) has applied for certain licenses which may be pending. UHES does not presently offer home equity agreements in any state where such products must be offered as a licensed mortgage product or any other type of licensed financial product.
- Please contact us for more information at hello@unlock.com.
- For additional information please review the Unlock Product Guide.
No new debt,
Home Equity Agreement
