Access up to $250,000 of your home equity

Instantly see how much equity you might be able to access without a loan or monthly payments

  • No monthly payments
  • No income requirement
  • No interest charges
  • Not a Home Equity Loan
  • No monthly payments
  • No income requirement
  • No interest charges
  • Not a Home Equity Loan

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An Aspire home equity investment gives you cash today in exchange for a share of your home’s future change in value

Access your equity without a loan or refinance

Get up to $250K in exchange for a share of your home’s future change in value - no monthly payments

Your cost at the end of the agreement is capped at 12% in first 3 years and 16% -18% thereafter (annualized, compounding monthly)

15-year term and you can buy out the agreement at any time with no penalty

The Process

Check Your Address Eligibility

Instantly and see how much cash you could receive.
Check Now

Get Your Offer

Provide us with more detailed information about you and your home to receive your easy-to-understand cash offer (takes less than 10 minutes).

Receive Your Cash

Once you accept your offer, we’ll schedule a closing date and wire money directly to your account. It can take as little as 2 weeks from application to receiving your cash.

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Why Access Your Equity?

 Pay Off Debt

Your equity could help you pay off your existing debt and reach financial freedom.

 Home Improvement

Fund your home improvement project you’ve been dreaming about.

 Fund Your Retirement

Help pay for your retirement and stay in your home.

 Invest In Your Next Move

Fund your business idea or buy that second home or investment property.

See Why They Chose Aspire

Frequently Asked Questions At-A-Glance
What is an Aspire HEI agreement and how does it work?

An Aspire HEI agreement provides you with a cash payment today in exchange for a portion of the future change in value of your home.

At the end of the agreement, if your home has gone up in value, Aspire will receive its predetermined share of that increase in value. If the value of the home goes down, Aspire will receive less.

You retain complete control of your home and can end the agreement at any time – typically accomplished through the sale or refinance of your home or a buyout of your HEI agreement.

At the outset of the agreement, Aspire will determine a starting property value for your home based on 3rd party valuation. The starting property value includes a 15% risk adjustment to the appraised value, meaning the starting value used in your HEI agreement will be 15% less than the appraised value.

At the end of the agreement – up to 15 years after the agreement is signed – the ending value of your home would be determined by the sale price or, if you refinance and/or buy out the agreement, by an independent 3rd party valuation.

Aspire can provide you with up to 15% of the appraised value of your home, depending on your home value and other qualifying criteria. We require a minimum investment amount of $35k and a maximum amount of $250K.

Some of the requirements which you must meet to qualify for an Aspire HEI agreement include:

  • Your property must be included in an eligible location. You can see if your home’s location is eligible by entering your address into our address check tool at www.aspirehei.com. We are currently working with homeowners in the following states: Arizona, California, Colorado, DC, Florida, Oregon, Pennsylvania, Tennessee, Virginia and Washington State.
  • You must live in the property –investment/rental properties are not eligible at this time.
  • Single-family residences (1-4 units), condominiums, and townhomes are eligible. Multi-family residential properties are not eligible at this time.
  • You must have owned the home for at least 12 months.
  • You cannot have an active reverse mortgage, shared appreciation mortgage, or an outstanding HEI agreement on the property.
  • All applicants must be U.S citizens or lawful permanent residents and must provide proof of identity.
  • You and any co-applicants must have a credit score of at least 660.
  • You must keep at least 25-30% of the equity in your home (inclusive of the cash payment you receive for your HEI agreement, as well as all existing mortgages, HELOCs and other liens on your property)
  • You must not have experienced a bankruptcy within the last 3 years or a property foreclosure within the last 5 years.
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