Your home has equity.
Access its potential.
Access cash from your home's value with no monthly payments.*A Final Settlement Amount based on your home's value at that time is due at the end of the Investment Period or upon sale or refinance. In a high-appreciation scenario, this amount may substantially exceed the investment proceeds received.
No credit impactTakes 2 minutesNo obligation
Access your home equity
with deferred repayment.
Access your home's value
Access the equity you've built without selling your home.
Payments deferred*
Nothing is due month to month. You settle when you sell, refinance, or reach the end of term.
You remain the owner
Full ownership, control, and decision-making stays with you.
Cash flow friendly
Free up monthly cash flow by deferring repayment.
How homeowners use their equity.
Consolidate Debt
Pay off high-interest credit cards and simplify your finances.
Home Improvements
Make repairs or upgrades that increase your home's value.
Life Transitions
Navigate medical expenses, divorce, or other major changes.
Financial Flexibility
Create breathing room in your monthly budget.
Mortgage Assistance
Catch up on payments and stabilize your housing situation.
Business Capital
Fund a business venture using your home's equity.
A straightforward process.
Check Eligibility
Enter your address to see a preliminary estimate. Takes 2 minutes, no credit impact.
Review Your Offer
We assess your home's value and create a personalized offer with clear terms.
Close & Fund
Sign closing documents with a mobile notary. Funds typically wire within 48 hours of closing.
Use Your Funds
Put your capital to work. Repayment is deferred until you sell, refinance, or reach the end of term.
A different way to access your equity.
Home Equity Agreements offer an alternative to traditional financing. Instead of monthly payments, you share a portion of your home's future value. This structure may work well for homeowners who want liquidity without adding monthly debt service.
Equity-based qualification
Your home's equity is the primary factor in determining eligibility.
Deferred repayment
Nothing is due month to month. You settle once, when you sell, refinance, or reach the end of term.
Share of future value
We participate in your home's upside, and downside, alongside you.
Understanding the Investment
$75,000
Upfront cash based on your home equity
$0/month
Nothing due month to month
Mend's percentage of your home's value
Due when you sell, refinance, or reach end of term (typically 10 years). If your home value increases, you pay more; if it decreases, you pay less.
What homeowners do with the money.
Across 54,044 shared-equity agreements studied by the Urban Institute. These are industry figures, not Mend’s.
63%
Paying down debt
The most common use by a wide margin, clearing credit card and personal-loan balances without adding another monthly payment.
21%
Remodeling or repairs
Work that cannot wait, or a renovation a homeowner would rather not finance with a second lien.
16%
Everything else
Medical costs, education, funding a business, or simply holding reserves.
Source: Goodman & Visalli, “How Shared Equity Products Work, Who Is Using Them, and Regulatory Recommendations,” Urban Institute, February 2026. See how each of these plays out, including the trade-offs.
Common questions
See what your equity could do.
Get a preliminary estimate in just 2 minutes. No credit impact, no obligation.
Or call us at 800-555-MEND
*Important Disclosure: Mend makes an upfront payment to you in exchange for a contractual right to a percentage of your home's value at settlement, calculated using the Settlement Multiplier in your Agreement. Settlement occurs when you sell, refinance, or reach the end of the agreement term (typically 10 years). Because the settlement amount is based on your home's total value at that time, if your home appreciates significantly, your repayment will be higher than what you originally received. If your home decreases in value, your repayment is reduced proportionally. This is a financial product with risks; please review all terms carefully before signing. A security interest is recorded against your property, which may affect your ability to refinance. Equal Housing Opportunity.