What Is An HEA Loan?

Convert Home Equity Into Cash Without Getting a Regular Loan

A home equity agreement (HEA) enables you to convert home equity into cash with no monthly payments and zero interest charges, even if you have less than perfect credit.

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HEA Zone image of a squirrel getting an acorn.
  • Eliminate high interest debt
  • Reduce monthly expenses
  • Rebuild credit scores
  • Do home improvements
  • Fund college expenses
  • Pay medical, dental, or vet bills

What is An HEA?

The HEA acronym stands for home equity agreement, which is a unique home equity product that enables you to convert home equity into cash with no mortgage payments and zero interest charges, even if you have less than perfect credit.

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Get a Large Cash Lump Sum

Get a large lump sum payout of $30,000 to $500,000 to consolidate debt, reduce monthly expenses, do home improvements, fund a business, or pay for college tuition and expenses. Use the cash for whatever you need!

No Payments And No Interest Charges

Unlike a regular home equity loan or HELOC, there are no monthly payments and zero interest charges.

Low Minimum Credit Scores

You don’t need perfect credit to qualify for an HEA. In fact, an HEA can even help rebuild your credit when you use the funds to pay off high interest credit cards and other debts.

Flexible Income Requirements

An HEA may be the answer if you’ve had trouble qualifying for a home equity loan or HELOC because of income. HEAs typically have more flexible income requirements than regular mortgages.

You Remain the Owner of Your Home

You retain title ownership of your home, which means you’ll continue to pay property taxes, homeowner’s insurance, and HOA dues (if applicable).

Keep Your Existing Mortgage

Have a low rate on your existing mortgage? You don’t have to refinance or pay off your mortgage to get an HEA.

Check Your Eligibility Now

Find out how much you can get today with no cost or obligation. Get up to $500,000 with no monthly payments and zero interest charges. Use the cash to pay off debt, do home improvements, fund a business, pay for college tuition and expenses, etc. Use the cash for whatever you need! Click the button below to check your eligibility now.

Check Eligibility

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HEA Meaning

An HEA is a home equity product that enables you to tap into your home equity with no mortgage payment, no mortgage interest, and without giving up ownership of your home. Check eligibility now