Funding Solutions

Home Equity Investment (HEI) gives homeowners a way to access some of the equity in their home without taking on a traditional monthly loan payment. Instead of borrowing money and making monthly principal-and-interest payments, the homeowner receives an upfront investment in exchange for sharing an agreed-upon portion of the home’s future value or appreciation. An HEI may be an option for homeowners who want access to capital without relying solely on traditional income or credit requirements. The investment is generally settled at the end of an agreed-upon term or when a qualifying event occurs, such as selling, refinancing, or transferring the property, with the homeowner repaying the original investment plus the amount specified in the agreement. VCL works with a variety of lending and capital sources to help homeowners explore HEI options and determine whether this type of financing aligns with their goals.