# Home # 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? What's your home address? Check Equity ![A couple laughs together while petting their dog in their sun-filled living room.](https://www.unlock.com/app/uploads/unlock_homecouple-1024x683.jpg) ![20,000+ homeowners funded](https://www.unlock.com/app/uploads/homeowners.svg) [ ![4.7 stars out of five on Trustpilot](https://www.unlock.com/app/uploads/trustpilot-update.svg) ](https://www.trustpilot.com/review/unlock.com) [ ![Google Customer Reviews badge showing Unlock's rating of 4.3 out of 5](https://www.unlock.com/app/uploads/google-3.svg) ](https://g.page/r/CcR-HP9MPY4SEAE/review) [ ![A+ rating on Better Business Bureau](https://www.unlock.com/app/uploads/bbb-2-1-1.svg) ](https://www.bbb.org/us/az/tempe/profile/financial-services/unlock-1126-1000152098) ![](https://www.unlock.com/app/uploads/unlock_HEAoverview-1024x577.png) 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](https://app.unlock.com) version="1.0" encoding="UTF-8" standalone="no"? ## 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](https://app.unlock.com/?utm_content=unlk-states)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. | | Unlock HEA | HELOC | Cash Out Refinance | Reverse Mortage | Personal Loan | |---|---|---|---|---|---| | No monthly payments | Yes | No | No | Yes | No | | Cash for any purpose | Yes | Yes | Yes | Yes | Yes | | 500+ credit scores accepted | Yes | No | No | No | No | | No income requirement | Yes | No | No | Yes | No | | Maintain ownership of your home | Yes | Yes | Yes | Yes | Yes | | Settle anytime, no penalty | Yes | Yes | No | No | No | | No first mortgage payoff required | Yes | Yes | Yes | No | Yes | # How do HEAs Work? ![](https://www.unlock.com/app/uploads/understandingHEAs_thumb-768x432.jpg) ##### 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. Watch the Video ![](https://www.unlock.com/app/uploads/whatisequity_thumb-768x432.jpg) ##### How and when to use home equity Accessing your home equity with an Unlock HEA can create opportunity make improvements, with no monthly payments. Watch the Video ![](https://www.unlock.com/app/uploads/sevenquestionsaboutHEA_thumb-768x432.jpg) ##### 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. Watch the Video ## 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. ![](https://www.unlock.com/app/uploads/basic-calc-1.jpg) ## How much could you Unlock? For demonstration purposes only. What’s your home’s value? Enter your estimated home value or adjust the slider. How much do you owe on your home? Enter your estimated debt or adjust the slider. Based on your estimated home value and the information provided you could access: $0 Want us to determine your true available equity? What's your home address? Check 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](https://www.unlock.com/homeowner-stories/) ![](https://www.unlock.com/app/uploads/Unlock-Customer-Story-Nick-Thumbnail-768x432.png) ##### 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. Watch the Video ![](https://www.unlock.com/app/uploads/Unlock-Customer-Story-Tom-768x406.jpg) ##### 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. Watch the Video ![bbb logo](https://www.unlock.com/app/themes/unlock/images/bbb.svg) “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 ![trustpilot logo](https://www.unlock.com/app/themes/unlock/images/trustpilot.svg) “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 ![google logo](https://www.unlock.com/app/themes/unlock/images/google.svg) “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 ![bbb logo](https://www.unlock.com/app/themes/unlock/images/bbb.svg) “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 ![supermoney logo](https://www.unlock.com/app/themes/unlock/images/supermoney.svg) “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 ![trustpilot logo](https://www.unlock.com/app/themes/unlock/images/trustpilot.svg) “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 ![trustpilot logo](https://www.unlock.com/app/themes/unlock/images/trustpilot.svg) “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 logo](https://www.unlock.com/app/themes/unlock/images/unlock.svg) “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](https://app.unlock.com/?utm_content=unlk-cta)