Resources & Guides
Learn everything you need to know about Home Equity Agreements. Explore our guides, read customer stories, and find answers to your questions.
Get My Free EstimateEducational Guides
Comprehensive resources to help you understand Home Equity Agreements and make informed decisions.
Home Equity Agreement Guide
Everything you need to know about HEAs, from basics to advanced topics.
Eligibility Requirements
Find out what it takes to qualify for a Home Equity Agreement.
Pricing & Terms Explained
Understand the costs, fees, and how settlement is calculated.
Compare Your Options
See how HEAs compare to HELOCs, home equity loans, and more.
Real Stories from Real Homeowners
Discover how other homeowners have used Home Equity Agreements to achieve their financial goals, from debt consolidation to home improvements to retirement planning.
Read Customer StoriesMichael J.
Denver, CO
"After my wife and I retired, we wanted to travel but didn't want to take on more debt. The HEA gave us the funds we needed without any monthly payments eating into our fixed income."
Common Questions
Quick answers to frequently asked questions about Home Equity Agreements.
What is a Home Equity Agreement?
An HEA lets you access your home equity without 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. Instead, you share a portion of your home’s future value with Mend.
How much can I access?
Most homeowners can access between $30,000 and $500,000, depending on home value and equity position.
Are there monthly payments?
No. There are no monthly payments with a Home Equity Agreement. 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. You settle when you sell, refinance, or at the end of the term.
See What You Could Access
Use our free estimator to see how much equity you could access and get personalized terms, all without affecting your credit score.
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Our team is here to help you understand if a Home Equity Agreement is the right choice for your situation. No pressure, just honest answers.