Your Dream Renovation Is Already Inside Your Home

You've built equity, now put it to work. A Home Equity Agreement (HEA) from Nada lets you unlock real cash for your renovation with no monthly payments, no interest, and no new debt.

The Smarter Way to Finance a Renovation

Most homeowners reach for a HELOC or personal loan and spend years managing the payments. An HEA gives you upfront capital in exchange for a share of future appreciation, not monthly bills. No interest working against you. No strain on your debt-to-income ratio. Just funding that's structured around your home's upside, not your monthly budget.

Renovate Smarter With Equity, Not Debt

No Monthly Payments

Your cash flow stays intact while your project is underway. Zero monthly payments means your budget goes toward the renovation, not the financing.

No Interest Charges

There's no interest rate because this isn't a loan. Nada shares in a portion of your home's future appreciation instead, so our success is tied to yours.

Preserve Your Credit Flexibility

An HEA is structured differently from a traditional loan, so you can keep your borrowing flexibility available for when you truly need it.

Use Funds Your Way

Kitchens, bathrooms, additions, ADUs — you decide.

Transparent Agreements. No Hidden Terms.

Nada works with institutional partners and operates under strict compliance standards to make sure every agreement is clearly explained and fairly structured. You'll know exactly what you're agreeing to before you sign anything.

How It Works

Check Your Home Equity Eligibility

Answer a few quick questions to see how much equity you may be able to access. No hard credit pull, no commitment required.

Get Your Personalized Offer

Receive a transparent offer based on your home's value and equity, with Nada's share clearly outlined before you commit to anything.

Receive Your Funds Upfront

Once you sign your agreement, the cash arrives as a lump sum, ready to put toward your renovation contractor, materials, or permits.

Settle When You Sell or Refinance

Nada's term is 10 years. You settle when you sell your home, refinance, or buy back Nada's equity share. No monthly obligations in the meantime.

Is this a loan?

No. You're not borrowing money. You're exchanging a share of your home's future appreciation for upfront capital today, which means no debt, no interest rate, and no monthly payments.

Do I make monthly payments?

Never. The agreement is settled when you sell, refinance, or reach the end of the term. Until then, your cash flow is entirely your own.

What happens if my home value decreases?

Nada shares in that outcome too. Because we're tied to future appreciation rather than a fixed repayment, there's no scenario where you owe more than what your home is worth at settlement.

Can I use funds for any renovation?

Yes. Kitchens, bathrooms, ADUs, energy upgrades, structural work. There are no restrictions on how you use your funds.

How long do I have before repayment?

HEA terms typically run up to 10 years. You can settle at any time by selling, refinancing, or buying out Nada's share on a timeline that works for you.

See All FAQs

Nada Realty is a licensed Texas Real Estate LLC Brokerage TREC# 9007703. TREC: Information About Brokerage Services | Consumer Protection Notice.

Nada Loans is a licensed Mortgage Company NMLS# 1993600. NMLS Consumer Access.

Nada Loans LLC, NMLS #1993600 currently offers HEAs in the State of Washington NMLS Consumer Access

*The funding timeline may vary and starts once the homeowner submits a completed application along with all required documents, which must be received and verified. The estimated timeframe does not include weekends and is based on the assumption that there are no undisclosed liens, a virtual appraisal using an automated valuation model (AVM) is utilized, and the homeowner has remained current on their mortgage and property tax obligations.