Fausto Valladares

HEIs provide cash for a share of your home's future value, with repayment due in a lump sum.
No monthly payments; credit requirements are more lenient than HELOCs or home equity loans.
Repayment includes principal plus a risk adjustment rate, which can be costly if your home appreciates.
HEIs are less popular but growing: **11,000** contracts, **$1.1B** volume in 2024 (CFPB).
Experts advise understanding risks and consulting a housing counselor before choosing an HEI.

Shared Equity Cash for Homeowners

Small, regular extra payments help reduce mortgage life.
Adding $100/mo to $1,800 payment cuts interest costs.
Mortgages are front-loaded with interest early on.
Even $25–$50 extra monthly makes a difference.
Automatic transfers make extra payments effortless.