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.

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.

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.

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 qualified homeowners in eligible areas of Arizona, California, Colorado, DC, Florida, Massachusetts, North Carolina, Oregon, Virginia and Washington State. More states coming soon!

You must live in the property. Vacation/second homes are eligible. Investment properties are not eligible at this time.

Single family residence, condominium and townhomes are eligible. Multi-family residential units (1-4 units) are eligible.

660+ credit score

At least 30% equity in the home (Including the amount they access from Aspire)

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

  • AZ
  • CA
  • CO
  • DC
  • FL
  • MA
  • NC
  • OR
  • VA
  • WA
  • CT
  • GA
  • MD
  • MI
  • NJ
  • NV
  • PA
  • SC
  • TN
  • UT

We make it easy to check your eligibility and apply

Ready to get started?

Instantly see how much your home may qualify for