START WITH 6 MONTHS, 1 YEAR, OR 2 YEARS
Choose an advance and move the timeline to see the estimated settlement.
Working assumptions: $400,000 starting home value · $180,000 mortgage · $5,000 advance · no valuation discount · 10% participation in positive home appreciation · 3% annual home-value growth.
How this example works: The original $5,000 advance, plus 10% of positive appreciation above $400,000, plus a one-time estimated $400 transaction cost recovered at every exit. The $400 cost is deferred to exit, not deducted from the example advance. There is no additional early-exit charge in this illustration. No repayment cap is modeled; the mortgage balance is held constant.
If the home value does not increase: The example payout is $5,000 plus $400 cost recovery, totaling $5,400. This illustration does not reduce the original advance when home value falls; final downside treatment remains under development.
Hypothetical calculation only—not a quote, offer, forecast, or final product terms. Actual home values may rise, fall, or stay flat; 3% growth is an assumption, not a prediction. The $400 cost is an estimate, not a verified or final charge. This example excludes other transaction costs, taxes, selling costs, and changes in mortgage or lien balances. Final valuation, participation, caps, downside treatment, and payment obligations remain under development. The year selected is an assumed exit date, not a required maturity.