HOME EQUITY INVESTMENT

Get Cash From Your Home.No monthly payments.

Access up to $600,000 of your home's equity without taking on a new loan, a new payment, or giving up your current mortgage rate.

Takes 60 seconds Won't affect your credit score

Excellent4.7

3,692 reviews on Google

  • Monthly Payments$0
  • Cash From Your EquityUp To $600K
  • Credit Scores May Qualify500+
Excellent4.7

3,692 reviews on Google

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Stephone Robinson

3 months ago

One of the best processes I have experienced. The team was exceptionally efficient, skilled communicators, great service, attentive to my needs and to the details. Grateful for their assistance. Could not have asked for more! Vicki was exceptional.
M

Mario Sanchez

6 months ago

The transaction completed through E Mortgage Capital allowed me to achieve the desired results. The process was fast, efficient and well streamlined. The representative/broker Christiana was knowledgeable and provided precise detail steps from start to finish.
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Cynthia Muldrow

5 months ago

I had a wonderful experience working with Susie Lim at eMortgage Capital for my refinance. From the very beginning, she was professional, knowledgeable, and extremely helpful. She explained the refinancing process clearly and shared valuable advice on the best way to move forward.
S

Susan Minter

3 weeks ago

If I could give 20 stars, I would! Terry and his team are amazing and walked me through every single step of my DSCR loan. I had no idea what I was doing and Terry made the process seamless!
K

Ken Edstrand

8 months ago

Was recommended by friends to contact Eric Newport when I began looking for a home early December 2025. He made sure to take the time to walk me through every step of the process and had my loan qualifications sent to me in no time.
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Jim Schweikhardt

2 months ago

Fantastic, Great, Awesome don't come close to how much Pamela Simpson and her team at E-Capital Mortgage did helping me refinance my house through the VA (I am a veteran). They made the process so easy and highly recommend this team!!
  • Monthly Payments $0
  • Cash From Your Equity Up to $600K
  • Credit Scores May Qualify 500+

Your equity, without the debt

A home equity investment isn't a loan. You get cash today in exchange for a share of your home's future value.

  • No monthly payments, ever
  • Not a loan, no interest
  • Keep your current mortgage and rate
  • No income verification or tax returns
  • Credit scores from 500 may qualify
  • Pay it back when you sell, refinance, or buy it out, up to 30 years
  • A licensed EMC loan officer walks you through every number

So what's the catch?

It's a trade-off, not free money. Instead of borrowing, you share part of your home's future value. When you sell, refinance or buy out the investment, the investor receives that agreed share.

Your estimate shows the share, the origination fee and closing costs up front, before you commit to anything.

How it works

Three steps, with one EMC loan officer from first question to funding.

  1. Tell us about your home

    Answer a few quick questions. No documents needed.

  2. Get your free estimate

    See how much cash your home could unlock.

  3. Get your cash

    Your EMC loan officer guides you from estimate to funding.

How an HEI compares

Same equity, three very different ways to tap it.

Home equity investment compared with a HELOC and a cash-out refinance
HEI HELOC Cash-out refi
Monthly payment
NoneYesYes, usually higher
Keep your current rate
YesYesNo
Income verification
NoYesYes
Credit score needed
500+Usually 620+Usually 620+
How you pay it back
When you sell, refinance or buy outMonthlyMonthly

See what your home could unlock

Seven quick questions, no documents. Checking won't affect your credit score.

Questions homeowners ask

Is this a loan?

No. You receive cash in exchange for a share of your home's future value. There are no monthly payments or interest.

Do I still own my home?

Yes. You keep full ownership and stay on title.

How do I pay it back?

When you sell, refinance, or choose to buy out the investment, any time within the term, with no prepayment penalty.

What does it cost?

There's an origination fee and standard closing costs, all shown in your estimate before you commit.

Will checking hurt my credit?

No. Getting your estimate doesn't affect your score.