How It Works

We give qualified homeowners cash up-front in exchange for an option to share in the future change in value of their home.

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You're in control

You decide how much equity you want to access. You retain complete ownership of your home and can end the agreement at any time.

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We share in the up and in the down

At the beginning of the agreement, we establish the “Starting Property Value” of the HEI as the appraised value of your home minus 15%. At the end of the agreement, the “Ending Property Value” of your home will be determined by the sale price, or by an independent, third party appraisal, if you choose to buy out the agreement. If the Ending Property Value of your home is less than the Starting Property Value, then Aspire will share in that loss.

The Process

Get cash in as little as 2 weeks and pay nothing for up to 30 years.

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1. Check your home's eligibility

Enter your address into our online form to see instantly if your home is eligible and how much you could receive in cash.

2. Apply online and get your cash offer

Apply online in minutes. If approved after reviewing your application and verifying Aspire is right for you, we'll provide an easy-to-understand offer.

3. Receive your cash

When you accept our offer we'll schedule a closing date and wire money directly to your account. The entire process can take as little as 2 weeks from applying to receiving your cash.

4. End the agreement - When you're ready!

You retain 100% ownership of the home, and can end the agreement at any time, typically by selling your home or repurchasing the agreement.

Eligibility requirements

We're currently working with homeowners in the following states:

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Currently active
  • CA
  • CO
Coming soon
  • AZ
  • FL
  • MA
  • MI
  • NV
  • NC
  • OH
  • OR
  • PA
  • SC
  • UT
  • VA
  • WA

We make it easy to check your eligibility and apply

Instantly see your home's eligibility and how much cash you can potentially access

You don’t need a perfect credit score to qualify – 660+

Dedicated reps are ready to answer questions and help you through the process

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View your estimate

Instantly see how much your home could be eligible for

Aspire is a home equity investment platform owned by Redwood Trust, Inc. Aspire HEI agreements are provided and administered by RWT Home Options, Inc., Aspire 3P, LLC. and Aspire RWT, LLC, all of which are wholly owned subsidiaries of Redwood Trust, Inc. Redwood Trust is not a chartered bank, trust company, or depository institution, is not authorized to accept deposits or trust accounts, and is not licensed or regulated by any state or federal banking authority. For more information about Redwood Trust, please visit
California DRE Licensed Real Estate Broker (RWT Home Options, Inc., License #02215315)