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.
Your cash flow stays intact while your project is underway. Zero monthly payments means your budget goes toward the renovation, not the financing.
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.
An HEA is structured differently from a traditional loan, so you can keep your borrowing flexibility available for when you truly need it.
Kitchens, bathrooms, additions, ADUs — you decide.
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. 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.
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.
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.
Yes. Kitchens, bathrooms, ADUs, energy upgrades, structural work. There are no restrictions on how you use your funds.
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.
