Heivest gives you $25K–$500K cash from your home equity today — with no monthly payments, no interest, and no income requirements. We invest alongside you.
Heivest gives you cash today in exchange for a small share of your home's future value. No debt. No monthly payments. No interest. We only win when you win.
Example only. Actual amounts vary based on home value, equity, and investment percentage. Home appreciation not guaranteed.
From first inquiry to cash in your account — the entire process takes as little as 3 weeks with no appraisal required for your initial estimate.
Enter your address and tell us about your home. We run an instant property valuation — no appraisal, no obligation. See your estimated cash offer in under 2 minutes.
Our team will present your personalized investment offer. Review the terms at your own pace. No pressure — this is a long-term partnership and we want it to work for you.
After a simple title check and closing, funds are wired to your account. No monthly payments. Use your cash however you choose — we're invested in your future.
See how a Home Equity Investment compares to debt-based products — and how Heivest stacks up against Point, Hometap, Unison, Splitero, and Unlock.
| Feature | Heivest Best | Point | Hometap | Unison | Splitero | Unlock | Aspire | Balance Homes |
|---|---|---|---|---|---|---|---|---|
| Monthly payments | ✓None | ✓None | ✓None | ✓None | ✓None | ✓None | ✓None | ✓None |
| Min. credit score | 500 | 500 | 500 | 620 | 500 | 500 | 640 | 580 |
| Min. investment | $25K | $30K | $15K | $30K | $50K | $30K | $25K | $50K |
| Max investment | $500K | $500K | $600K | $500K | $500K | $500K | $300K | $400K |
| Term length | Up to 30 yr | 30 yr | 10 yr | 30 yr | 30 yr | 10 yr | 15 yr | 10 yr |
| Origination fee | 3.0% | 3.9% | 3.0% | 3.9% | 4.99% | 3.9% | 3.0% | 3.5% |
| Income requirement | ✓None | ✓None | ✓None | ✗Required | ✓None | ✓None | ✗Required | ✓None |
| Investment properties | ✓Yes | ✓Yes | ✗No | ✗No | ✗No | ✗No | ✗No | ✗No |
| LLC-held property | ✓Yes | ✓Yes | ✗No | ✗No | ✗No | ✗No | ✗No | ✗No |
| Partial buyback | ✓Yes | ✗No | ✗No | ✓Yes | ✗No | ✓Yes | ✗No | ✗No |
| Risk adjustment | None | 15–20% | None | None | None | None | 15% | None |
| Time to close | ~3 wks | 3–4 wks | ~3 wks | 4–6 wks | 3–4 wks | ~3 wks | 4–5 wks | 3–4 wks |
Homeowners use Heivest for everything from eliminating high-interest debt to funding a new business venture — all without taking on a single monthly payment.
No. A Home Equity Investment is not a loan. You receive cash today in exchange for a share of your home's future value. There is no debt, no interest, and no monthly payments. It's an investment, not a debt instrument.
Heivest receives a percentage of your home's value when you settle — either when you sell, refinance, or reach the end of your investment term. We're invested in your home's appreciation, which means our interests are aligned with yours.
You can settle at any time during your 10–30 year term with no prepayment penalty. You can settle by selling your home, refinancing to buy back Heivest's share, or using other funds. We never force a sale.
Because Heivest owns a share of your home's value — not a fixed debt — if your home depreciates, Heivest's share is worth less too. We share in both the upside and the downside, unlike a lender who gets paid regardless.
You need a minimum credit score of 500, at least 20% equity in your home, and the property must be your primary residence, secondary home, or qualifying investment property. No income verification required.
Heivest offers higher maximum investments (up to $500K), accepts investment properties, has a lower minimum credit score (500 vs. 600–680), and offers terms up to 30 years. We also offer a dedicated advisor throughout your investment — not just at closing.
Tell us about yourself and your home. We'll reach out within 2 business days with your personalized investment estimate — no obligation required.
Basic info — takes less than 60 seconds.
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