Use part of your home’s value, without selling it
El valor de tu casa trabajando para ti. (Your home’s value, working for you.)A home equity investment (HEI) can give you cash today without a traditional loan and with no scheduled monthly payments. No monthly payment does not mean no cost: we explain clearly, in Spanish or English, how it works and what it costs before you decide.
Do you have goals that need funding?
After years in your home, you may have built up significant equity. An HEI lets you receive cash today in exchange for a provider receiving a share of your home’s future value, settled according to the contract when you sell, refinance, or at the end of the term.
CasaValor Capital helps you understand whether this option makes sense for you and compare it with other alternatives.
See how it worksWhat would you like to accomplish
with your home’s value?
Choose a goal and we’ll explain whether an HEI could help — or whether another option may suit you better.
See how it works in 2 minutes
We explain your options simply, in English or Spanish.
Compare your options with clear information
| HEI (home equity investment) | Home equity loan | HELOC | Cash-out refinance | |
|---|---|---|---|---|
| Is it a loan? | No. It’s an agreement with a provider for a share of your home’s future value. | Yes | Yes (line of credit) | Yes (new mortgage) |
| Monthly payment | No scheduled monthly payments | Yes, fixed payment | Yes, usually variable | Yes, new mortgage payment |
| How it’s repaid | One settlement when you sell, refinance, or at the end of the term, per the contract | Monthly payments over the term | Payments on what you draw | Monthly payments on the new mortgage |
| Cost | Provider’s share of future value + closing fees; can be high if your home rises a lot in value. Some contracts have a maximum cap. | Interest + closing costs | Interest (often variable) + fees | Interest + closing costs; may change your current rate |
| Typical requirements* | Enough equity; credit, income, and property per the provider | Credit, verifiable income, and equity | Credit, verifiable income, and equity | Credit, verifiable income, and equity |
| Does CasaValor arrange it? | We advise you and guide you through the process with the provider | No | No | No |
*Requirements, terms, and costs vary by provider or financial institution. All amounts are subject to valuation and approval.
CasaValor Capital does not make, arrange, or negotiate loans, HELOCs, or refinances. This comparison is for education only. If one of those options suits you better, we’ll tell you, and you can explore it with your bank or a licensed professional. Terms for each product vary by institution and your situation.
Loan
Refinance
- Home Equity Loan
- HELOC
- Cash-Out Refinance
Loan
How It Works
Three clear steps, no pressure
Tell us about your home
Fill out a short form or call us. We’ll ask general questions about your property and goals; we will never ask for your Social Security or account numbers by phone.
Consultation and preliminary estimate
An advisor reviews your numbers, explains how an HEI works, its costs and risks, and compares it with other options. You receive a written preliminary estimate, with no obligation.
Review the provider’s offer
If you decide to move forward, the provider values the property, reviews title and, if approved, presents its contract. We help you understand it before you sign, and you may review it with an independent attorney or advisor.
Frequently asked questions
It’s an agreement with an HEI provider: you receive cash today and, in exchange, the provider receives a share of your home’s future value. It isn’t a loan or a HELOC and has no scheduled monthly payments, but it does have a cost, settled according to the contract when you sell, refinance, or at the end of the term.
No. CasaValor Capital is a consulting agency, not a bank, lender, or investor. We explain your options, organize your numbers and documents, and guide you through the process. If you qualify, the funds come from an independent HEI provider, and the final terms come from that provider’s contract.
No monthly payment does not mean no cost. In exchange for the cash, the provider receives a share of your home’s future value, and there are usually closing charges (for example, origination, appraisal, title, and escrow). If your home rises a lot in value, the cost can be high; some contracts have a maximum cap. In the consultation we show you a preliminary estimate with several scenarios.
It depends on your home’s value, what you owe, and each provider’s limits. Providers typically cap total debt plus the investment at a percentage of the home’s value. We prepare a preliminary estimate; the final amount is set by the provider after valuation and approval.
Talking with us and having a consultation doesn’t affect your credit, because we don’t check it. If you decide to apply with a provider, the provider may review your credit; some start with an inquiry that doesn’t affect your score. We explain beforehand what the provider will do.
Yes, you remain the owner and keep living in your home. But it’s a serious commitment: the provider records a lien on the property, you must stay current on your mortgage, taxes, and insurance, and the investment must be settled according to the contract. We explain those obligations before you decide.
Yes, we recommend it. A home equity loan, HELOC, refinance, or assistance program may cost less if you qualify and can afford the payments. CasaValor doesn’t arrange loans, but we’ll tell you honestly if another option suits you better.
Call us so we can review your case carefully; we can’t promise an outcome. If you received a notice of default or sale, we recommend calling a HUD-approved housing counselor today, at no cost: 1-800-569-4287.
Yes; many homeowners use it to pay off high-interest debt, make home improvements, or meet other goals. Before deciding, compare the HEI’s cost with what those debts cost you today; we’ll help you run those numbers in the consultation.
Each provider has its own requirements, and the provider makes the decision.
In general, providers consider:
- Whether the home is in a state and area where the provider offers HEIs.
- Enough equity in the property.
- Property type: depending on the provider, these may be accepted:
- Single-family homes
- Condos
- With some providers, vacation homes and rental properties
- 1–4 unit properties
- With some providers, manufactured homes
- An amount within the provider’s limits, which depend on home value and equity; varies by provider.
- Everything is subject to valuation, title review, and provider approval.
The more you know about your home’s equity, the better decisions you can make.