Unlock your home equity today.
Maximize tomorrow.
A simple way to access up to $300,000 in home equity—with no monthly payments and no interest charges, ever.
Apply Today! 
Build from what’s already yours.
Join the thousands of homeowners who’ve accessed their home equity without selling or taking out a HELOC, home equity loan, or reverse mortgage.

Easier to Qualify
Minimum 500 FICO
Flexible income requirements
Flexible income requirements
Easier to Use
Funding in 30-60 days*
Apply with no impact to credit score
Limited restrictions on fund
Apply with no impact to credit score
Limited restrictions on fund
Easier to Succeed
No monthly payments
No interest charges
Access between $30k – $500k
No interest charges
Access between $30k – $500k
Our Simple, Personal Approach
01
Get your estimate.
See how much equity you can unlock in less than a minute. No credit score impact. No strings attached.
02
Apply.
A dedicated home equity consultant (HEC) will guide you through the process after you apply online.
03
Receive an offer.
After reviewing an independent third-party appraisal and title report, an offer will be prepared for you.
04
Get funded.
After signing the closing documents, you should receive a wire transfer within a few days.
Hear from our Customers
Dawn lost her job as a bookkeeper during the first part of the pandemic.
I was looking for a way to get out of the credit card debt I had – not shift it around, but get rid of it. The Unlock HEA is not a loan – it doesn’t show up on my credit report. I’m no longer worried. I have no stress. Now my debt is gone, and since I have not added any debt, my debt-to-income ratio is much better.”
Dawn
Arizona




