Make informed decisions about your home equity.
We provide clear, simple guides and tools to help seniors navigate their financial options in retirement.
You don't have to sell your home to get money from it.
Here are your options:
Home Inheritance Equity
Sell a % of your home's inheritance at any time during your life for cash (for seniors 70+). You keep the title of your home, so you can't be forced out.
HELOC
This is a loan that creates new debt. It works like a credit card, but it's secured by your house. You have to make monthly payments, and the interest rate can change, which is a risk.
Reverse Mortgage
This is also a loan, but only for seniors (62+). You don't make monthly payments, but the loan balance (the debt) grows larger over time with interest. The loan must be repaid when you sell or move out.
Shared Appreciation Agreement
You get much less cash upfront compared to a loan or inheritance equity sale, and you are forced to move out in 10-20 years.
Compare Your Options
| Feature | Inheritance Equity | Shared Appreciation | Reverse Mortgage | HELOC |
|---|---|---|---|---|
| Money Received | High | Low | High | High |
| Monthly Payments | No | No | No | Yes |
| New Debt Created | No | No | Yes | Yes |
| Can be forced to move out | No | Yes | Yes | Yes |
| Best For | Highest money accessed, Most Control & Safety | Accessing a little cash with no payments | Debt-based income stream in retirement | Flexible, short-term cash needs |
| Price | One-time flat fee + a small fee each time you access money. No debt. | One-time fee, no monthly payments or growing debt. | One time flat fee + Debt that grows monthly until the home is sold. | One time flat fee + Debt that grows monthly + monthly payments. |
Understanding Your Choices
Knowledge is power. Our in-depth guides break down complex topics into simple, actionable information.
How Selling Inheritance Equity Unlocks Cash Without Debt
Discover how you can access your home's value now, stay in your home for life, and avoid the risks of traditional loans.
Is a Reverse Mortgage Right for You? A Senior's Guide
Learn the benefits and drawbacks of a reverse mortgage, including how the loan balance grows over time.
The Pros and Cons of a HELOC: Understanding the Risks
A Home Equity Line of Credit offers flexibility, but comes with monthly payments and variable interest rates. Here's what you need to know.
Equity Options Calculators
Get a quick estimate for each option. These are for illustration only and are not a financial offer.
Reverse Mortgage Calculator
Use our simple reverse mortgage retirement calculator to quickly estimate your eligibility.
Results provided by the Web Calculator feature are always approximate.
Maximum Available Funds (if you qualify):
-
The illustration and figures above are an estimate based on the value and age you provided. It is not a loan commitment and does not mean you have been approved. All applicants must meet all loan obligations, including living in the property as the principal residence and paying all property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet the loan obligations the loan could be called due.
Powered by American Senior Lending NMLS# 7147, Wholesale Division Equal Housing Lender.
Home Inheritance Equity Calculator
Calculate the present value of remainder interest based on life expectancy.
Ready to take the next step?
Selling Inheritance Equity
Talk to an advisor for >>> Selling Inheritance EquityShared Appreciation Agreement
Reverse Mortgage
HELOC