Home Equity Investment
An HEI Gives You Cash — Without Monthly Payments
Need access to funds, but not looking for a traditional loan? A Home Equity Investment (HEI) lets you turn your home’s equity into cash — without monthly payments, interest rate, or extra stress. We can also help you access your equity even if you have low credit scores.
“Apply Now” will redirect you to our partner’s site.
FEATURED IN
PROGRAM BENEFITS
What Can an HEI Help You Do?
- Free up cash without refinancing
- Pay off high-interest debt
- Renovate your home
- Start or fund a business
- Manage life changes without selling
- Cover medical expenses
Choose an HEI Instead of a Traditional Loan
No monthly payments
You don’t repay monthly like with a traditional loan or HELOC. You settle the investment later, when you sell your home or refinance.
Low Credit Scores - No Problem
Access your equity even if you don’t qualify for a conventional loan due to low credit scores.
Flexible income requirements
Self-employed? Retired? HEIs work even if you don’t qualify for a traditional loan.
Use your funds your way
Pay off other debt, invest in renovations, cover life expenses — no restrictions.
How It All Works — No Monthly Payments, No Stress
Apply Online
Get a custom offer based on your home’s value from our HEI funding partner.
Get a lump sum of cash
With no interest, no monthly payments, and no pressure.
Refinance When Ready
When you sell your home (or refinance), settle the investment based on your home’s value at that time.
“Apply Now” will redirect you to our partner’s site.
How a Home Equity Investment Compares
Not sure if a HEI is the right fit? Here’s how it stacks up against more traditional ways of borrowing — like HELOCs, reverse mortgages, and personal loans.
You’ll see why many homeowners are choosing a more flexible path.
Who Is a HEI Right For?
Homeowners who want to access their equity without making monthly loan payments.
Homeowners with low credit scores who still want to take cash-out of their home.
Homeowners who want to access their equity but who can’t qualify for a traditional loan.
Real Homeowners. Real Flexibility.
cost breakdown
Transparent Costs - How HEI Pricing Works
What does an HEI cost?
Unlike a loan, you don’t pay monthly interest or principal. Instead, you share a portion of your home’s future value when you sell, refinance, or buy back your equity — anytime within 30 years.
You control when to settle — whether that’s in 5 years or 25. The amount you pay back depends on:
- How much cash you received
- The change in your home’s value over time
- The agreed-upon equity share percentage in your contract
“Apply Now” will redirect you to our partner’s site.
FAQs About HEI Loans
What is a Home Equity Investment?
A Home Equity Investment (HEI) is a way to get cash today by sharing a portion of your home’s future value — without monthly payments or interest.
How does a HEI work?
You get a lump sum now. When you sell or refinance, you repay based on your home’s future price. No interest. No monthly payments.
How is ab HEI different from a HELOC or home equity loan?
An HEI isn’t a traditional loan. There are no interest charges, no required income, and no monthly payments. Instead, it’s an equity-based agreement where repayment happens when you sell or refinance. By contrast, HELOCs and other home equity loan options involve monthly payments, interest, and standard lending requirements.
When should I use a HEI program?
This program is ideal for homeowners who want to access their equity but are unable to do so due to income issues or low credit scores. Another use case is that you want to access your equity, and simply don’t want to make payments on a loan tied to the equity you are accessing from your home.
Can I buy back my equity?
Yes. You can settle the investment through a refinance or other funding option.
What is the Downside of Doing a HEI Program?
The downside of this program is that you are assigning a portion of your home equity in exchange for cash now. If you don’t want to give up equity in your home, then please consider our Cashout Refinance loan options or our HELOC loans.
Does Ribbon by Hurst Lending Directly Fund HEI offers?
Ribbon by Hurst Lending is not a direct provider of Home Equity Investment offers. We partner with leading HEI companies and offer their products to customers who want to access their equity and not make monthly payments. Any HEI transaction will take place between you and our HEI partners.
Ready to Access Your Home’s Equity
Without Monthly Payments?
Whether you’re paying off debt, investing in your future, or just need breathing room — a HEI can help you unlock the cash tied up in your home.
“Apply Now” will redirect you to our partner’s site.
Related Products
HELOC
Get a HELOC with fast approval. Access your equity quickly even on your investment property or non-warrantable condo.
Home Improvement Loans
Start your project today, fix the urgent repairs quickly, or grab that contractor’s availability without delay.