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4.98 / 5from 108+ verified reviews

Home Equity Investment

Access your equity with $0 monthly payments.

A Home Equity Investment can provide access to up to $600,000 without monthly payments. There are no income requirements, no appraisal required, FICO scores as low as 500 may be considered, and mortgage lates are allowed. The program is designed for homeowners with meaningful equity who want a quick, flexible way to access cash.

No SSN required · Zero impact to credit · Never sold

Quick highlights
  • Up to $600,000
  • $0 monthly payments
  • FICO scores as low as 500
  • Up to 75% loan-to-value
Who it's for: Best for homeowners who want to unlock equity without adding a required monthly payment and whose scenario may not fit a traditional home equity loan.
Why this loan

Built around what you actually need.

1
No monthly payment

Access available equity without taking on a required monthly principal and interest payment.

2
Flexible qualification

No income requirement, no appraisal required, mortgage lates allowed, and FICO scores as low as 500 may be considered.

3
Quick approvals

A streamlined review helps you understand whether this equity option fits your goals.

Process

How it works

01
Check eligibility

Tap the button and answer a few quick questions, no SSN needed.

02
We shop 90+ lenders

Aaron's team finds the sharpest program for your scenario.

03
Lock your terms

Review and lock the rate and structure that fits your goals.

04
Close with confidence

Clear communication every step until you have the keys.

FAQ

Common questions

How much can I access?+

Eligible homeowners may access up to $600,000, subject to available equity and program guidelines.

Are there monthly payments?+

This program is designed with $0 monthly payments, subject to the investment agreement and its terms.

What credit score is needed?+

FICO scores as low as 500 may be considered. Aaron will review the full scenario, not just one number.

4.98 / 5from 108+ verified reviews

See if HEI fits your situation

Answer the equity, credit, and state questions so Aaron can review the right program path.

Check My HEI Eligibility

Ready to see if Home Equity Investment fits your situation?

Schedule a call with Aaron Ehresmann, Loan Originator at West Capital Lending. He'll review your scenario, walk through your options, and map out the cleanest path forward, no pressure.