A Home Equity Agreement provides an upfront payment today in exchange for a share of your home’s future value, without touching your existing mortgage rate.
We work with verified Home Equity Agreement capital providers to give homeowners a transparent path to the value they have built. Our team walks you through every step, from eligibility check to funding, with plain-language disclosures at each stage.
The eligibility check takes about two minutes and does not commit you to an agreement.
You'll continue with Barastone, who conducts the property review and approves the investment. No obligation.
A transparent process from eligibility check to funding, with settlement deferred until sale, refinance, or the end of the term.
Answer a few questions about your property and home equity position. The initial check takes about two minutes.
Receive a detailed offer outlining your advance amount, Investment Period, and Settlement Multiplier.
Complete the agreement and receive your funds. A security interest is recorded against the property.
Settle the agreement by paying the Final Settlement Amount when you sell, refinance, or the term ends.
A Final Settlement Amount based on your home's value at that time is due at the end of the Investment Period or upon sale or refinance. In a high-appreciation scenario, this amount may substantially exceed the investment proceeds received. You settle when you sell, refinance, or the term ends.
The agreement sits alongside your existing mortgage. Your current rate and payment do not change.
You retain full ownership and control of your home. You make all decisions about the property and remain responsible for taxes, insurance, and maintenance.
The maximum cost is subject to a homeowner protection cap of no more than 20% annualized, regardless of future home value.
A Home Equity Agreement (HEA) is structured as a purchase of a partial interest in the future value of your home. You receive an upfront payment today in exchange for a contractual right to a percentage of your home’s value at settlement, calculated using the Settlement Multiplier in your Agreement. You retain full ownership and control of your home. A Final Settlement Amount is due at the end of the Investment Period or upon sale or refinance.
A HELOC or home equity loan charges interest and requires a fixed monthly repayment schedule. With a Home Equity Agreement, repayment is deferred: you settle the agreement by paying the Final Settlement Amount, calculated using the Settlement Multiplier applied to your home’s fair market value at that time. The effective cost in high-appreciation markets may exceed a comparable HELOC or home equity loan, so compare both structures for your situation.
Settlement occurs when you sell your home, refinance, or the Investment Period ends. You settle by paying the Final Settlement Amount, calculated using the Settlement Multiplier applied to your home’s fair market value at that time. To protect homeowners, the maximum cost is subject to a homeowner protection cap of no more than 20% annualized.
The Final Settlement Amount becomes due at the end of the Investment Period. Homeowners typically settle through savings, a refinance, or the sale of the home. Plan for this obligation before entering an agreement, and consider consulting independent legal and financial advisors.
Eligibility is based primarily on your home’s value, location, and your home equity position, along with property and ownership requirements. Each application is evaluated individually. The eligibility check takes about two minutes.
No. Your existing mortgage, rate, and payment stay in place. The Home Equity Agreement is a separate agreement secured by a security interest recorded against the property, which may affect a future refinance. Review both positions with an independent advisor.
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