Sell your house.
Stay in your home.
Sell your home at a fair price, take your equity, and stay on with no monthly payments for as long as your equity covers. One simple transaction — no packing, no moving truck, no fresh start you did not choose.
- No monthly payments
- No credit check
- NC attorney closing
- Sale price (as-is)
- $395,000
- Liens paid off
- −$182,000
- Your equity
- $213,000
Illustrative example. Your sale price is for the home in as-is condition — the appraisal is separate and for your protection.
the longest stay your equity can prepay
One transaction.
Three steps.
You stay in your home.
Check eligibility in minutes
Answer a few questions about your home and what you owe on it. No paperwork, no credit pull, and no obligation to move forward.
Choose your option
See your sale price, your equity, and the net cash you would take at closing for each option — side by side, with no monthly payments. You pick how long you stay.
Close and stay
A licensed NC attorney handles the closing. Your liens are paid off, your net equity arrives in certified funds, and you stay on as a resident.
Your home is likely your largest asset — but the equity inside it is locked away. Equity Funding turns that equity into cash without forcing you to move.
Built for the
hard moments.
Most people who come to us are dealing with one of three things. If one of them sounds like yours, checking your options costs nothing and commits you to nothing.
The clock is running
You are behind on the mortgage and the letters have turned formal. Because the sale pays off your loan in full at closing, it can resolve the debt before deadlines run out — and because you stay on afterward, resolving it does not mean leaving.
The bank said no
A job loss, medical bills, or a divorce drained the cash while years of equity sat locked in the house. A refinance or HELOC needs income and credit to qualify. Equity Funding does not — your eligibility is the home itself and the equity in it.
You need the money, not the move
The school district, the neighbors, a house that fits your life — you need the equity out, but uprooting everything is the wrong price to pay for it. Sell without the moving truck, stay on with no monthly payments, and move on your own timeline.
Pick your runway.
Every option is the same simple transaction — sell, take your equity, and stay with no monthly payments. The term just decides how long you stay.
6 months
A short runway to your next chapter
- No credit check or income requirement
- Lease prepaid from your equity — $0 monthly
- Net equity paid to you at closing
- Full tenant rights, maintenance included
12 months
A full year to reset — with no monthly payments
- No credit check or income requirement
- Lease prepaid from your equity — $0 monthly
- Net equity paid to you at closing
- Full tenant rights, maintenance included
24 months
The longest stay your equity can prepay
- No credit check or income requirement
- Lease prepaid from your equity — $0 monthly
- Net equity paid to you at closing
- Full tenant rights, maintenance included
Longer terms need more equity; rent steps up modestly in year two.
Prefer not to stay? Sell now is always on the table — take your full equity at closing and move on your own schedule, typically within a few weeks.
What you can
hold us to.
Selling your home is a serious decision. Every commitment below is a verifiable mechanic of the transaction — not a slogan.
Transparent terms, in writing
Your sale price, your equity, and the prepaid lease are laid out in writing at every step. The first agreement is signed before we inspect the home; if its condition turns out materially different, the terms can adjust — and you see the final numbers, in writing, with time to cancel, before anything binds you.
Attorney-handled closing
Every closing is conducted by a licensed North Carolina closing attorney, and you are free to have your own attorney review every document first.
We cover the closing costs
Checking your options costs nothing, and Equity Funding covers the closing costs — so you are $0 out of pocket. Until you sign, you can step away at any point.
Real, recorded documents
Your sale and your lease are real recorded transactions — public documents that you, your attorney, or your family can read and verify.
An independent appraisal, in your hands first
Your home’s fair market value is determined by an independent certified appraiser — not by us — and you receive that appraisal before you are obligated to anything.
The honest guide before the pitch
Selling is not the cheapest way to reach your equity for everyone. If a refinance or a traditional sale would serve you better, that is the advice you will get.
Questions,
answered
straight.
If your question is not here, the honest guide goes deeper — including when selling is not your best move.
Read the guideDo I need good credit to qualify?
No. Equity Funding is not a loan, so there is no credit requirement and no credit check. Eligibility is based on your home and the equity in it — not your credit history.
When is the earliest we can close?
As fast as about 10 days once you sign — a few days for the appraisal, your 7-day right to cancel, and then closing. Most closings land within two to three weeks. If you are working against a deadline, tell us up front.
My house is currently in foreclosure, can I still participate?
Often, yes. Because the sale pays off your mortgage at closing, it can resolve an active foreclosure. If a foreclosure sale date is bearing down, tell us immediately — in specific situations we can work within a tight timeline while still following every applicable law. The sooner you reach out, the more room there is to help.
Can my offer change after I sign the first agreement?
It can. The first agreement is signed before we inspect the home, so it reflects the condition we expect. If the inspection, title work, or appraisal turns up something materially different, the terms can move — down if the condition is worse, and in some cases up if it is better. Either way you see the final numbers in writing, and your 7-day right to cancel applies before anything is binding.
Can I stay longer than 24 months?
24 months is our longest standard term, because your stay is prepaid out of your equity — a longer stay simply needs more equity to cover it. If you have the equity and need more time, tell us when you apply and we will see what is possible.
What happens when my term ends?
Most residents move on when their prepaid term is up. If you would like to stay, you can apply the way any renter would — a standard background and income check — to continue on a normal monthly lease. It is considered case by case, and we will be straight with you about it.
Can I buy the home back later?
Buying the home back is not a standard part of the program, but depending on your situation it may be possible. If that is your goal, tell us up front and we will be honest with you about whether it is realistic.
Can I just sell and skip the lease?
Yes — that is our Sell now option. You take your full equity at closing and move on your own schedule, typically within a few weeks. No stay, and nothing owed monthly.
How did you arrive at my options?
Your options start from our sale price for the home in as-is condition today — what we will pay for it right now. From that we subtract the liens that must be paid off (your mortgage and any judgments), and what is left is your equity. You then choose how much of that equity to take as cash now versus prepay toward staying longer. A separate independent certified appraisal is part of the process for your protection, and you see it before you are committed.
Not sure this is
the right move?
Selling your home is not the cheapest way to reach your equity for everyone. Start with our honest guide — the alternatives to rule out first, how the transaction really works, and the questions to ask anyone, including us.
See your numbers.
It costs nothing to look.
Check your eligibility in minutes — no credit check, no financial documentation, and no obligation to move forward.
- No monthly payments
- No credit check
- NC attorney closing