Access up to $250k of your home equity without a HELOC or Refinance
- No monthly payments or interest
- No lengthy loan process
- No monthly payments or interest
- No lengthy loan process
Instantly see if your home is eligible
Checking your addresses eligibility won’t affect your credit score.
Access up to $250k of your home equity without a HELOC or Refinance
- No monthly payments or interest
- No lengthy loan process
Instantly see if your home is eligible
Checking your addresses eligibility won’t affect your credit score.
What is an Aspire HEI?
An Aspire HEI gives qualified homeowners cash today in exchange for a share of their home’s future change in value.
How it works
Get cash today
In exchange, Aspire shares in a pre-determined portion of the future change in value of your home.
It's like a partnership
If your home goes up in value, Aspire shares in some of that increased value – but only up to a point. We have a cap in place to limit how much we can share in.
You're in control
Retain complete control of your home and end the agreement at any time – typically through the sale of the home or a buyout of the agreement.
How an HEI compares to a HELOC
 |
HELOC |
|---|---|
| Credit Score Minimum | |
| 660+ | Varies, but affects interest rates |
| Monthly Payments | |
| None | Yes |
| Interest Rates | |
| None Aspire receives a share of your home’s change in value at the end of the agreement; Aspire’s share is capped for your protection1 |
Variable rate |
| Term Length | |
| 30-years | Typically 10-year draw window and 20-year payback periods |
1Aspire’s investment gain cannot exceed a maximum return of 18% (annualized, compounding monthly), and if you terminate the agreement within three years of the original closing date, Aspire’s investment return will not exceed 12%.
Do more with your home equity
- Pay off debt
- Improve your home
- Fund your retirement
- Invest in a business or 2nd home
Ready to get started?
Instantly see how much your home may qualify for
