Access
Explore ways to access home equity.
- — Retirement liquidity
- — HECM / reverse mortgage education
- — Potential liquidity strategies
- — Other qualified lending options
Homeowner Wealth Discovery
Understand the wealth you’ve built in your home — and what you can do with it.
Equity Reserve helps homeowners understand their home equity and explore potential paths to access, protect, or deploy that wealth.
Education, assessment, qualification, and connections to independent qualified professionals — all in one considered experience.
Designed for homeowners seeking clarity about an asset they already own.
Three Pathways
Your Equity. Your Options.
Your home may represent one of your largest assets. Tell us what you want your equity to accomplish.
Protect
Explore ways to organize and transfer your property and wealth.
- — Estate planning
- — Revocable living trusts
- — Property ownership review
- — Beneficiary planning
- — Wealth-transfer planning
Deploy
Explore potential ways to put available equity to work.
- — Business opportunities
- — Real estate
- — Investment objectives
- — Major purchases
- — Other capital needs
A Different Starting Point
This is a different way to think about borrowing.
Traditional financing starts with the question: “Can you afford another monthly payment?” Equity Reserve starts with the asset you’ve already built.
Conventional Borrowing
Typical considerations:
- Required monthly principal-and-interest payment
- Income
- Debt-to-income ratio
- Employment / income documentation
- Ability to service new monthly debt
- Conventional credit underwriting
Proprietary Home-Equity Access
Important considerations include:
- Home value
- Available home equity
- Existing liens
- Property characteristics
- Borrower age
- Applicable proprietary program
- Lender requirements and underwriting
The Question Isn’t Simply
“Can you afford another monthly payment?”
The Question Is
“How much of the wealth already in your home may be accessible?”
The Property Matters
Start with the asset, not the payment.
Every Equity Reserve conversation follows the same sequence: home value, less existing liens, estimated home equity — and then the portion that may potentially be accessible.
Home Value$4,000,000
Less Existing Liens− $500,000
Estimated Home Equity$3,500,000
A portion of that equity may potentially be accessible.
Available proceeds are not equal to total home equity. Actual proceeds depend on borrower age, property value, appraisal, existing liens, interest rates, property characteristics, applicable proprietary program and lender requirements.
Payment Structure
Access equity without a required monthly principal-and-interest payment
Qualifying proprietary reverse mortgage structures generally do not require the borrower to make monthly principal-and-interest mortgage payments. Instead, interest and applicable costs may accrue to the loan balance and are generally repaid later when the loan becomes due.
You still own your home
The homeowner generally retains ownership of the property while the lender holds a lien, subject to the loan terms.
Your equity creates the opportunity
The amount potentially available is based in significant part on the home's value, available equity, borrower age and the applicable proprietary program.
Repayment generally occurs later
The loan balance generally becomes due when a contractual maturity event occurs, such as sale of the home or the borrower permanently leaving the property, subject to the loan terms.
The Timeline
- 01
Today
You own the home.
- 02
Equity Access
A portion of available equity may be accessed.
- 03
During the Loan
Continue owning and occupying the home while satisfying the applicable requirements.
- 04
Later
The loan balance is repaid according to the loan terms.
You built the wealth.Why should it all stay locked in the house?
Your home may be your largest asset. Equity Reserve helps eligible homeowners explore whether a portion of that wealth can be accessed without selling the property.
Why Equity Reserve
A different way to think about home equity.
Property-First
We begin with the asset you already own.
Liquidity-Focused
Explore whether a portion of your home equity can become accessible capital.
Specialized
Equity Reserve focuses on proprietary home-equity access solutions for homeowners with substantial residential equity.
Use Cases
What homeowners explore equity for.
Retirement Liquidity
Access potential liquidity from home equity without necessarily selling the residence.
Investment Capital
Explore whether home equity can provide capital for other opportunities.
Business Capital
Potentially access liquidity without selling a valuable residence.
Debt Management
Explore whether proceeds may be used to address existing obligations, subject to program requirements.
Real Estate
Potentially use liquidity toward another real-estate opportunity, subject to applicable requirements.
Lifestyle
Access some of the wealth you've built in your home for the things that matter to you.
No particular use of proceeds is promised or approved in advance. Proceeds use is subject to program and lender requirements.
Resources
Understand before you decide.
Home Equity
You Own a $4 Million Home. How Much of That Equity May Actually Be Accessible?
How high-value homeowners can think about the difference between total home equity and the portion that may potentially be accessible through a proprietary program.
How It Works
How Does a Proprietary Reverse Mortgage Work?
A plain-language explanation of proprietary reverse mortgage structures designed for high-value residential properties.
Strategy
Home Equity vs. Selling Your Home
Selling converts an asset into cash and ends ownership. Accessing equity is a different decision with different mechanics.
Frequently Asked
Questions worth asking.
Yes. The homeowner generally retains ownership of the property while the lender holds a lien, subject to the loan terms.
The First Step