What does a mortgage loan originator do vs. a bank?

A bank offers only its own loan products. A mortgage loan originator shops your loan across 175+ wholesale lenders to find the best rate, terms, and program for your situation.

How do I get pre-approved?

Apply through one of our lender portals or contact me directly. I will pull your credit, verify income and assets, and issue a full pre-approval letter, typically within 24 hours.

How much do I need for a down payment?

Conventional loans start at 3% down, FHA at 3.5%, and VA loans require zero down payment.

When does it make sense to refinance?

Generally when you can lower your rate by 0.5% or more, shorten your term, or access equity. The key is whether monthly savings outweigh closing costs within your planned timeframe.

A DSCR loan qualifies based on the rental income of an investment property rather than your personal income. No tax returns or pay stubs required.

What is PMI and how do I get rid of it?

PMI is required on conventional loans with less than 20% down. It drops automatically at 78% LTV, or you can request removal at 80% LTV.

HEI & HEA — Home Equity Solutions

Access your home's equity without monthly payments or interest. No income verification. No credit score requirements. Keep full ownership of your home.

What Is a Home Equity Investment?

HEI — Home Equity Investment

Receive a lump sum of cash (typically 10–20% of your home's value) in exchange for a share of your home's future appreciation. No monthly payments. No interest. You keep full ownership and continue living in your home.

HEA — Home Equity Agreement

Similar to HEI, but the investor buys a stake in your home's current value — sharing in both appreciation and depreciation. This can lower your effective cost if appreciation is modest.

How It Works

Apply

Quick application with no income docs or credit score required

Appraisal

Your home is appraised to determine current market value

Receive Cash

Get your lump sum — use it for anything you need

Settle Later

Settle when you sell, refinance, or at end of term (10–30 years)

HEI/HEA vs Traditional Options

Feature	HEI / HEA	HELOC	Cash-Out Refi	Reverse Mortgage
Monthly Payments	None	Yes	Yes	None
Interest Charged	None	Yes	Yes	Yes (accrues)
Income Required	No	Yes	Yes	No
Credit Score Required	Flexible	600+	500+	Flexible
Age Requirement	None	None	None	62+
Keep Full Equity	Share appreciation	Yes	Yes	Share equity

Who Is This Best For?

Retirees & Fixed Income

Access equity without adding monthly payments to a fixed budget. No income verification needed.

Self-Employed Borrowers

No tax returns, no W-2s, no income documentation required. Qualification is based on your home's equity.

Debt Consolidation

Pay off high-interest credit cards, medical bills, or other debt — without taking on new monthly payments.

Home Improvements

Fund renovations that increase your home's value — potentially offsetting the investor's share through forced appreciation.

Try the HEI Calculator Learn Key Terms

Ready to Get Started?

Fill out our quick form or apply directly through one of our lender portals.

Apply Online Save My Contact Secure Upload Schedule a Meeting