Unlock Your Home’s Equity. No Banks.
Access up to 80% of your home’s value using private money.
No minimum credit score.
No income required.
No payments the first year.
homeowners love using home equity partner
“I was in a unique place when I was needing to purchase a home. I built my house 2 years ago and had an 810 credit score. Several crazy life events got me into a bad place. I took a new job and was needing to move cross country. I couldn’t secure traditional financing. Home Equity Partner helped me from day one. Joe called and explained the process to me. My family and I moved into our new house last week. I could not be happier. I would recommend them 10/10. If you have unique financing needs please reach out to them. You won’t he disappointed.”
“Because of my broad professional expertise, I’m not an easy client to please. However, HEP’s staff and representatives had the pleasing poise and professionalism to meet my goals and expectations. I highly recommend them!”
“Very happy with the results from Home Equity Partners. We have never had the luck of good credit or good income or proper tax returns all at the same time, but these guys have made our dream home a reality as we know we are only a year away of being ready to officially buy. Rather than wait to enjoy the home of our dreams, home equity made it possible now.”
“Staff is friendly, process was relatively smooth. Perfect for families looking for a home but are struggling with traditional home loan lenders. Great for starting the process of owning your own home.”
“Working with Home Equity Partners was such a great experience. As a Realtor, I look for amazing service and professionalism from my affiliates. They really delivered! Easy to work with and quick to respond. I’d recommend that anyone looking to buy with them, take advantage of the service they offer.”
“Highly recommend to anyone who has tried and failed to purchase a home the traditional way. Adam and Jon have really changed our family’s lives and made our dream of owning a home a reality. They made sure I understood the whole process from the beginning and were always there to answer any questions that I had along the way. This company is really amazing!!!!”
| Feature | Traditional Bank (HELOC/Loan) | Our Sale-Leaseback Solution |
| Credit Score | Typically 680+ Required | No Minimum Score Required |
| Income Check | Strict Debt-to-Income (DTI) Ratios | No Income Necessary |
| Monthly Payments | Starts Immediately (Monthly) | $0 for 1 to 12 Months (Optional) |
| Approval Odds | High Rejection for "Non-Perfect" Credit | Asset-Based (If you have equity, you're in) |
| Ownership | You keep title, but bank has a lien | We buy the home; You keep the right to buy back |
No Banks. No Red Tape. Just Results
Approval based on home equity – not your credit score or debt-to-income
No mortgage application or endless paperwork
Keep your timeline and flexibility—refinance when you’re ready
Recent Home Closings Across the USA
Exclusive Home Buying Program for:
Have equity, not cash? Let’s unlock it.
At least 20% Home Equity
$75K minimum
Home value: Above $200,000
How It Works
Submit Your Property
Get an Equity Offer
Get Cash & Stay Put
Sell or Refi Later
If you have over 20% in home equity, we guarantee pre-approval in 5 days or less.
Helping Families Find their Home
We are thrilled to have found HEP! Our situation was quite challenging: the house we were renting-to-own was foreclosed on, and we were faced with the tough choice of either buying the property or moving out. Traditional loans were out of reach due to our less-than-perfect credit score and the inflated price of the house we were in.
Thankfully, HEP came to the rescue. Within two weeks, they got us approved through their program. Not only that, but they also connected us with a local realtor who expertly guided us through the current hectic market. In just a month and a half, we found our dream home, and 50 days later, we closed on it.
Today, we are overjoyed to say that we are officially on our way to homeownership. Thank you, HEP Team, for making this possible!
– Ethan Slyder (Illinois 2024)
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