✓ No FHA Approval Required
✓ Line of Credit Never Expires
✓ Available at Age 55
✓ Loans Up to $4 Million
If you are trapped in an agreement where you are sharing your home's future appreciation, there may be a way out. A proprietary reverse mortgage could provide the funds you need to pay off the home equity investment balance. Available for Florida primary residences only. Age 55+. No monthly mortgage payments*.
Call (727) 244-7076 for a Free HEI Exit AnalysisNo obligation · No paperwork to get started · We take our time with you
A home equity investment agreement typically starts with a homeowner receiving a lump sum of cash in exchange for agreeing to share a percentage of the home's future appreciation when the home is sold, refinanced, or the agreement term expires.
At first glance, home equity investments may seem attractive. You get cash without making monthly payments. But the true cost becomes clear when you want to exit the agreement. You must repay the original investment amount plus the appreciation percentage owed.
If your home has appreciated significantly, or if you are exiting early before the agreement term ends, you may face steep penalties. The CFPB (Consumer Financial Protection Bureau) has issued a regulatory spotlight on these products, raising concerns about their complexity and high exit costs.
Many homeowners find themselves trapped in these agreements, paying far more to exit than they anticipated. If this describes your situation, you may have options.
There are several ways to exit a home equity investment agreement. The right approach depends on your age, your home value, your available funds, and your credit situation.
For homeowners aged 55 and older with significant equity in their home, a proprietary reverse mortgage may be the strongest option. A reverse mortgage can provide the funds you need to pay off the HEI balance, and it does not require any monthly mortgage payments.
The appreciation share owed on the original HEI agreement will not disappear on its own. You may qualify for a reverse mortgage even if you have been turned down by traditional lenders due to income or credit concerns.
For Florida homeowners 55 and older with equity trapped in a home equity investment agreement, a proprietary reverse mortgage offers a unique path to freedom.
A reverse mortgage provides you with the capital you need to pay off your home equity investment balance and end the appreciation sharing obligation. You will own your home free and clear of the HEI agreement.
Our proprietary reverse mortgage is available starting at age 55, seven years earlier than the government FHA program. If you are between 55 and 61 and trapped in an HEI agreement, you may qualify for our program right now.
Unlike a conventional mortgage or refinance, a reverse mortgage requires no monthly payments. Your line of credit grows over time. This is critical if you are on a fixed income or concerned about cash flow.
Once you obtain a reverse mortgage, your line of credit remains available to you for life as long as you continue to meet the basic loan obligations. You draw on it only when you need it.
If your credit score is 720 or above, you may qualify for our Residual Income Waiver, which eliminates the need for income documentation. You must also have no force placed homeowners insurance in the last 12 months and no late payments on property taxes or HOA dues in the last 24 months.
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What are my options for getting out of a home equity investment?
You have several options: sell the home and pay off the HEI balance from sale proceeds, refinance with a conventional mortgage, pay cash if you have liquid assets, or obtain a reverse mortgage if you are 55 or older. For homeowners 55+ with significant equity, a proprietary reverse mortgage may be the strongest option because it requires no monthly payments and may waive income requirements with a 720+ credit score.
Can a reverse mortgage pay off my home equity investment?
Yes. A reverse mortgage provides you with funds that can be used to pay off the HEI balance. The reverse mortgage itself does not eliminate the appreciation share you owe on the original HEI agreement, but it does provide the capital you may need to exit the agreement. You remain responsible for all loan obligations including property taxes, homeowners insurance, and HOA dues.
How much will it cost to buy out my home equity investment?
The cost to exit a home equity investment depends on your original investment amount, the appreciation percentage you owe, and how much your home has appreciated since the investment was made. Early exit penalties are often steep. You should review your HEI agreement to understand your specific buyout calculation. We recommend you gather your agreement documents and contact us for a detailed analysis at no cost.
What is the minimum age for a proprietary reverse mortgage?
Our proprietary reverse mortgage is available to homeowners starting at age 55. The FHA reverse mortgage program requires age 62. If you are between 55 and 61 and trapped in a home equity investment agreement, you may be able to exit sooner using our proprietary product.
Is this available for investment properties?
Our reverse mortgage is available for primary residences only. If your home is an investment property, a reverse mortgage will not be available. However, you may explore other exit options such as conventional refinancing or selling the property and using sale proceeds to pay off the HEI.
How do I get started?
Fill out the short form on this page and we will contact you within one business day to discuss your specific home equity investment situation and whether a reverse mortgage may be a good fit for your exit strategy. There is no paperwork required to have this initial conversation, no credit check, and no obligation of any kind.
There is no paperwork required to speak with us. No credit check. No pressure of any kind. Just an honest conversation about your home, your home equity investment, and your exit options.
Sunshine State Home Loans · Licensed in Florida · Serving homeowners across the entire state
Fill out the short form below and we will prepare your free home equity investment exit analysis and reach out within one business day. No paperwork. No commitment. No obligation of any kind.
Please note: Borrowers are always responsible for the payment of property taxes, homeowners insurance, HOA dues, and any special assessments. Failure to meet these obligations may result in the loan becoming due and payable. This is not a commitment to lend. All loans are subject to credit and property approval.
This website is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to eligibility requirements, terms, and conditions. All loans are subject to credit approval. This is not a commitment to lend. Sunshine State Home Loans is licensed to offer mortgage products in the state of Florida. Results vary based on individual circumstances. For complete program details, please contact us directly at (727) 244-7076.