Unlock your home equity with no monthly payments.

An Unlock Home Equity Agreement (HEA) gives you up to $500K upfront, in exchange for a share of your home’s value.

  • Use cash for anything
  • Keep your low mortgage rate
  • No income requirements or hard credit pull
  • Pre-qualify in under 2 minutes

How much could you unlock?

    A couple laughs together while petting their dog in their sun-filled living room.
    20,000+ homeowners funded
    4.7 stars out of five on Trustpilot
    Google Customer Reviews badge showing Unlock's rating of 4.3 out of 5
    A+ rating on Better Business Bureau

    What's a Home Equity Agreement?

    Get cash upfront.
    A decade of flexibility.
    One payment at the end.

    An HEA lets you get cash today for a share of your home’s value when your agreement ends — with no monthly payments in between.

    Use the funds for anything, like:

    • Renovate your home
    • Pay down monthly debt obligations, medical bills, etc.
    • Enhance education, or pay off student loans
    • Start your own business
    • Purchase an investment property
    Get Started

    20,000+ homeowners in these states have unlocked their home equity. Are you next?

    Across the country, homeowners have used Unlock HEAs to access $2 billion tied up in their home’s equity.

    Let’s find out how to unlock the equity already in your home.

    Get Started

    Alabama, Arizona, California, Florida, Hawaii, Idaho, Indiana, Kentucky, Michigan, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Vermont, Virginia, Wisconsin and Wyoming

    You’re close to unlocking your home equity. Here’s how.

    01

    Get Pre-Qualified

    Enter your address and contact information to see if you pre-qualify.

    02

    Apply Online

    Takes less than two minutes.

    03

    Review Your Terms

    Plan ahead. See how your HEA will work.

    04

    Finalize Offer

    Accept your offer after a third-party valuation and title report.

    05

    Receive Your Cash

    Kickstart your renovations, education, business, or anything you choose.

    How do HEAs compare?

    ”Is this like a HELOC or something?“

    A Home Equity Agreement (HEA) lets you access your equity today in exchange for a share of your home’s value when your agreement ends — with no monthly payments in between. 


    An Unlock HEA opens access like other options, but without the monthly payments that come with Home Equity Lines of Credit or other equity products.

    HEA HELOC Cash Out
    Refinance    		 Reverse
    Mortage    		 Personal
    Loan

    No monthly payments

    Cash for any purpose

    500+ credit scores accepted

    No income requirement

    Maintain ownership of your home

    Settle anytime, no penalty

    No first mortgage payoff required

    How do HEAs Work?

    How a Home Equity Agreement works

    It’s different than a traditional HELOC or HEL. It’s how you can access your equity, without a monthly payment.

    How and when to use home equity

    Accessing your home equity with an Unlock HEA can create opportunity make improvements, with no monthly payments.

    Seven questions about an HEA

    Not sure where to start? These seven questions cut through the confusion and help you figure out if an HEA is right for you — no monthly payments, more monthly flexibility.

    How does Unlock’s Home Equity Agreement (HEA) work?

    Home equity is the balance between what your home is worth and the amount left on your mortgage. In exchange for a lump sum of cash based on that equity, we assume a portion of your home’s future value.

    An HEA creates opportunity from the thousands you already have in your home.

    How much could you Unlock?

    For demonstration purposes only.

    What’s your home’s value?
    How much do you owe on your home?

    Based on your estimated home value and the information provided you could access:

    $0

    Want us to determine your true available equity?

      Do HEAs really work?

      20,000+ homeowners have used an Unlock HEA as a smart financial move. With no monthly payments, you gain flexibility for the things that matter to you.

      Read Homeowner Stories
      Nick unlocked equity for renovations… twice

      Nick used his home’s equity to renovate a childhood home for his family — and to launch a business. His HEA gave him access to capital without adding monthly payments to the equation.

      Tom unlocked monthly budget flexibility

      Tom accessed equity from his vacation home through Unlock — something he didn’t know was possible. It gave him more room in his budget, without monthly payments or added complexity.

      “From the start their communication was on point… Unlock is very thorough which to us was important! My husband and I can now turn the page and move on. This [HEA] enabled us to fix up a few things on our home and put it on the market. ”

      Brenda

      Better Business Bureau review

      “The Unlock team was patient with our questions, intentional about understanding our reasons and plan for [HEA] funding, respectful of our time and availability to fulfill [HEA] eligibility and funding requirement, and went above and beyond in providing timely, courteous, helpful, and encouraging customer support at every phase of the [HEA] process. ”

      Chris

      Unlock Homeowner

      “Great communication with this company. I was new to this type of financial agreement and they walked me through the entire process thoroughly and answered fully all of my questions. The process worked just as they said. ”

      William

      Unlock Homeowner

      “I chose Unlock for my HEA, and I couldn’t be happier! [Their] expert agents… made sure that I understood all of the agreement. I never felt any pressure to make my decision. Every step of the way was easy. I highly recommend!”

      Daniel

      Better Business Bureau review

      “The experience with Unlock HEA was smooth, professional, and stress-free from beginning to end thanks to the excellent communication and support throughout the entire process. ”

      Shanitta

      Supermoney “Recommended” review

      “It was really easy not like a HELOC and no payments, I received the money I need for my remodeling project that I have been wanting to do for a few years now. It was a fast and friendly process.”

      Daniel

      Unlock Homeowner

      “New, innovative approach to unlocking real estate home equity. Particularly helpful to businesses or anyone needing good cash flow. Fast, straightforward streamlined process with excellent really outstanding knowledgeable personnel. ”

      JB

      Unlock Homeowner

      “Unlock is great; it gave us the opportunity to tap partially into our home’s equity without a second mortgage or losing our [great interest rate]. Unlock has given us the ability to actually increase the value of our home by putting the equity to use in home improvements. We are extremely happy with the decision we made…”

      Maylen M.

      Unlock Homeowner Review

      Access new possibilities.
      Without new monthly payments.

      With an Unlock HEA, you can access the equity in your home without taking on monthly payments. Let’s open up some new opportunity from the value you already have in your home.

      Get Started