Credit cards and personal loans charge compounding interest that grows every month. A Home Equity Agreement (HEA) from Nada gives you a lump sum to wipe out that debt today, with no monthly payments, no interest charges, and no new loan to manage.
Most debt consolidation options just move the problem around. A new personal loan or balance transfer still means monthly payments and compounding interest. An HEA works differently. You get upfront capital in exchange for a share of your home's future appreciation, not a fixed repayment schedule. The high-interest debt goes away. The monthly grind goes with it.
Unlike a consolidation loan, an HEA requires zero monthly payments. Your cash flow improves immediately from day one.
There's no interest rate ticking away in the background. What you access today is all that's at stake, nothing more.
No more juggling five minimum payments across different lenders. One agreement replaces the noise.
Answer a few quick questions to see how much equity you may be able to access. No hard credit pull, no commitment required.
Receive a transparent offer based on your home's value and equity, with Nada's share clearly outlined before you commit to anything.
No. An HEA is a separate agreement from your mortgage and does not change your existing loan terms, your lender relationship, or your monthly mortgage payment in any way.
It depends on your situation, but for many homeowners the answer is yes. A HELOC adds a new monthly payment and a variable interest rate on top of your existing obligations. An HEA has no monthly payments and no interest, which makes it a cleaner option if freeing up cash flow is the goal.
That's completely fine. HEA terms typically run up to 10 years, and there's no pressure to sell on any particular timeline. You can also settle early by refinancing or buying out Nada's share whenever it makes sense for you.
Checking your eligibility does not involve a hard credit pull, so it won't impact your score. As for the agreement itself, because an HEA is not structured as a loan, it does not add to your reported debt the same way a new credit line would.
At settlement, Nada receives a share of your home's appreciated value based on the terms of your agreement. You'll know exactly what that percentage is before you sign anything, so there are no surprises when it comes time to settle.
