Your situation
Providers limit total debt plus investment against your home, so this decides who can fund you.
Historic US average is roughly 3–5%. An HEI costs more the faster your home grows.
Some agreements must be settled within 10 years; we flag it when that applies.
Reference only, so you can see each HEI's effective rate next to ordinary borrowing.
Ranked by effective annual cost
| Provider | Cash to you | You settle for | Total cost | Effective APR |
|---|
Needs your quote
Not a match for this scenario
Edit provider terms (use the numbers from your own offer)
| Provider | Model | Multiplier (×) | Start-value discount % | Fee % | Cost cap %/yr | Term (yrs) |
|---|
Where do these numbers come from? Every provider's terms, with links to the original sources: see provider terms & sources (last verified September 23, 2026). Want the full picture on a provider? Read reviews and head-to-heads on HEI Compare.
Estimate, not financial advice. Results apply each provider's published terms to your inputs using one consistent model: the cash you net after fees, what you would owe at settlement, and the annual rate that links the two. Real offers are set individually and vary by state, property, and underwriting, and eligibility limits here are indicative. Always confirm terms in your written offer. How we verify terms.