A Home Equity Investment (HEI)—often referred to as an HEI loan—is a strategic way for homeowners to access the equity in their home without taking on traditional debt. Unlike a home equity loan, cash-out refinance, or HELOC, an HEI is not a loan in the traditional sense.
With an HEI, homeowners receive a lump sum of cash today with no interest and no monthly payments. Instead of borrowing money, the homeowner agrees to share a portion of the home’s future value when the home is sold, refinanced, or when the HEI term ends.
An HEI provider evaluates your home’s value and available equity and offers a one-time cash investment based on that equity. There are no monthly payments, and your existing mortgage remains exactly the same.
Repayment occurs only when the home is sold, refinanced, or when the HEI term ends, which is typically between 10 and 30 years. At that time, the homeowner repays the original investment plus or minus the agreed-upon share of the home’s value change.
An HEI loan is ideal for homeowners who want access to their equity without increasing monthly financial obligations.
This option is commonly used by homeowners with strong equity who prefer not to add another payment, self-employed individuals or business owners with fluctuating income, retirees or near-retirees seeking liquidity without new debt, real estate investors who want to leverage equity without refinancing a low-rate mortgage, and homeowners planning to sell or refinance in the future.
Homeowners who benefit most from an HEI prioritize cash flow, flexibility, and long-term planning.
Key advantages include no monthly payment obligation, no interest or compounding debt, no changes to existing mortgage terms, more flexible qualification standards, and access to equity without increasing debt-to-income ratios. For many homeowners, the biggest benefit is financial breathing room.
The purpose of an HEI loan is to unlock home equity without creating traditional debt.
Homeowners commonly use HEI funds for home renovations or repairs, paying off high-interest credit cards or personal loans, funding a business or investment opportunity, covering major life expenses such as medical bills or education, or creating liquidity while keeping a low-interest mortgage intact.
An HEI is best viewed as a financial strategy, not just a financing option.
While HEIs offer flexibility, they are not right for every homeowner.
Before choosing an HEI, it is important to consider how long you plan to stay in the home, local housing market trends, your long-term financial goals, and your comfort level with sharing future home value. In fast-growing markets, repayment may be higher, while in slower markets, HEIs may cost less than traditional financing.
Applying for an HEI loan with Ebonie Beaco is simple and guided from start to finish.
To get started, fill out the form above on the right side of this page. Once submitted, your information will be reviewed to determine eligibility. You will r
eceive a personalized evaluation of your equity and financing options. If an HEI is a good fit, your application will be submitted and managed on your behalf. Upon approval, you receive your funds with no monthly payments.
An HEI loan is a powerful, non-debt way to access home equity.
It provides cash today with no monthly payments, no interest, and no refinancing of your existing mortgage. For the right homeowner, an HEI offers flexibility, liquidity, and control without adding financial pressure.
If you’re considering a Home Equity Investment (HEI) or want to compare it to a HELOC, cash-out refinance, or other home equity solutions, personalized guidance matters. Every homeowner’s situation is different, and the right strategy depends on your equity, goals, and timeline.
To get started, fill out the form above on the right side of this page to see what options may be available to you. Your information will be reviewed, and you’ll receive a personalized evaluation to determine the best path forward.
Ebonie Beaco | NMLS #2389954
Mortgage Loan Originator
Licensed in AL, AR, GA, IL, IN, KY, MI, MO & VA
Mortgage services provided through Loan Factory, Inc. | NMLS #320841
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