Frequently Asked Questions

A Home Equity Investment allows you to access a portion of your home's equity in exchange for a share of your home's future value. Unlike a loan, there are no monthly payments, no interest charges, and no income requirements. You settle when you sell, refinance, or buy back the investment — up to 30 years.

A HELOC and home equity loan both require monthly payments and charge interest. An HEI has no monthly payments and no interest. Instead, the investor receives a share of your home's appreciation (or depreciation) when you settle. This makes an HEI ideal for homeowners who want to avoid adding monthly debt obligations.

No. There are absolutely no monthly payments with a Home Equity Investment. You settle the investment when you sell your home, refinance, or choose to buy back the investment at any point during the term.

Eligibility is primarily based on your home's equity and location. There are no income requirements, and credit scores as low as 500 may qualify. Your home must be your primary residence.

You can access up to $600,000 of your home's equity, depending on your property value, location, and existing mortgage balance. The exact amount is determined during the application and appraisal process.

The initial application involves a soft credit check, which has little to no impact on your credit score. A hard inquiry may be conducted later in the process, but since there are no monthly payments, an HEI won't create ongoing credit obligations.

The process typically takes 2–4 weeks from application to funding. The initial application takes less than 2 minutes.

Yes. You retain full ownership of your home. When you sell, the HEI is settled from the sale proceeds. You can also refinance or buy back the investment at any time during the term.

At the end of the agreed-upon term (up to 30 years), you settle the investment. You can do this by selling your home, refinancing, or using other funds to buy back the investor's share. The settlement amount is based on your home's value at that time.

No. No Pay Now LLC is a marketing and referral partner, not a lender, creditor, or licensed financial institution. All Home Equity Investment products are offered exclusively by third-party providers, subject to their terms, conditions, and eligibility requirements.

You can use the funds for virtually anything — debt consolidation, medical expenses, home improvements, financial planning, education, business investment, or any other purpose.

There may be standard closing costs such as an appraisal fee, origination fee, and title/escrow fees. These are clearly disclosed before you accept any offer. There are no hidden fees or surprises. Visit our What Does It Cost page for full details.