Los Angeles, CA
The home renovation
“A bank HELOC wouldn’t work with my debt-to-income.”
- check_circleAccessed $120,000 in equity
- check_circle$0 monthly payments
- check_circleCompleted the remodel and raised the home’s value
Home equity investment · California · HELOC alternative
Access your home equity with no monthly payments
Home equity you want to tap
Prefer to talk it through? Speak to a broker
$15,000$500,000
Monthly payment
None repaid at sale or refi
Calculate now for free
A Home Equity Investment has no monthly payments — estimate only. See your full offer on the calculator.
Our trusted funding partners
The HEI Advantage
Why choose a Home Equity Investment?
- check_circleReceive up to $500,000 upfront
- check_circleNo income or employment required
- check_circleNo monthly payments, ever
- check_circleUse the funds however you wish
- check_circleFlexible terms from 10 to 30 years
Simple Process
How does a Home Equity Investment work?
1
Pre-qualification
Your loan officer collects basic details about you and your property, then estimates the equity you can access.
2
Complete your application
Upload a mortgage statement (if applicable), a home-insurance declaration page, and a photo ID.
3
Get approved & accept
Your home is appraised, then your loan officer coordinates a convenient time to sign your closing documents.
4
Receive your funds
After signing, your funds are wired directly to your preferred account.
In most cases, the HEI process takes about 10-14 business days. Every situation is different so please consult your loan officer for information on turn times.
Who Qualifies
Check your eligibility
Home Equity Investment (HEI) programs feature no income or employment requirements. Just a 500 minimum credit score and an eligible property.
Homeowner
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500 minimum credit score
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No income or employment requirement
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Accepts a junior position behind your current mortgage, or a first position if the home is owned free and clear.
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Properties held by a trust or LLC
Property
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Has an appraised value between $200,000 to $5,000,000
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Maximum investment is 25% of your home's value or $500,000
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Is a single-family residence, condominium, townhome, or multi-family residential (2-4 units)
How It Compares
How is an HEI different from other loan options?
| Feature |
Home Equity Investment
|
HELOC | Cash-out refinance | Home equity loan | Reverse mortgage |
|---|---|---|---|---|---|
| No monthly payments | check_circle | cancel | cancel | cancel | check_circle |
| No income requirements | check_circle | cancel | cancel | cancel | check_circle |
| No age limit | check_circle | check_circle | check_circle | check_circle | cancel |
| Not a loan | check_circle | cancel | cancel | cancel | cancel |
| No debt-to-income requirements | check_circle | cancel | cancel | cancel | check_circle |
| Term (10-30 years) | check_circle | cancel | cancel | cancel | cancel |
This chart is for informational purposes only.
Common scenarios
How homeowners use an HEI
A few real-world examples of how Californians tap their equity — your reason could be next. Illustrative only; your loan officer tailors the details to you.
San Diego, CA
Alternative retirement
“I needed cash flow without a new monthly payment.”
- check_circleTapped $180,000 of equity
- check_circleMonthly expenses stayed the same
- check_circleSupplemented a fixed retirement income
San Jose, CA
Debt consolidation
“My income fluctuates and I have no W-2 tax returns.”
- check_circleSecured $250,000 on flexible income terms
- check_circleWiped out high-interest debt
- check_circleKept peace of mind
Reviews
What our clients say
4.6
Rated on Google
★★★★★
“Great experience! I utilized their reverse mortgage service for my house in Palm Springs. Couldn’t have been an easier process with great customer service. Can’t recommend SOS Loans enough!”
James HevinGoogle review
★★★★★
“I have used SOS multiple times over the last 5-7 years. They are very fast, efficient, and friendly.”
Steve KeelingGoogle review
★★★★★
“S.O.S. Loans provides excellent customer service. The application and approval process is both simple and efficient. They will work with you to align due dates. And are very responsive to all requests. A pleasure to do business with.”
Wendy TryonGoogle review
★★★★★
“SOS Loans has the BEST customer service! They took care of all my worry. Whenever I had a need they were right there to solve it. Their process is really confidential, safe, and easy.”
John DeVincenziGoogle review
★★★★★
“SOS loans made getting my personal loan very fast and easy! I appreciate the use of different communication modalities to get my loan with my busy schedule as well! Thank you SOS for helping me out in a bind 🙏”
La FonsecaGoogle review
★★★★★
“I applied for a loan and was approved the same day!! I was able to get my money within 24 hours. Great rates on loans as well. 10/10 would recommend if looking for a loan with low credit.”
SteybsterGoogle review
Good to Know
Common questions
Are there any monthly payments with an HEI?
expand_moreWho owns the home after I receive my investment?
expand_moreHow does the investment provider make money?
expand_moreAre there any early repurchase penalties?
expand_moreCan I refinance my home in the future and maintain my agreement?
expand_moreHow is an HEI different from a HELOC?
expand_moreHow is an HEI different from a reverse mortgage?
expand_moreReady to tap into your home equity?
Estimate what you could access in about a minute — no income, no employment, and no monthly payments. Checking is free and won’t affect your credit score.