Our Home Loans
Pay for Themselves

$Photo of a single-family home with Heimify's innovative Heimshare trading data overlays. Top right box reads 'Sell Heimshares' with details: 'Max Equity Available: $650,000' and 'Max Heimshares Available to Sell: 66,210.53.' Bottom left box shows 'Buy Heimshares' with 'Available Shares to Buyback: 2,210.53' and 'Value of Investor Shares: $22,105.30.' Bottom right overlay displays a percentage graph indicating '20% mortgaged.' A seamless illustration of fractional equity trading and homeownership flexibility.$

Heimify offers fractional equity sharing solutions across all loan types. Easily optimize your loan debt and home equity ownership for whatever life throws your way.

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Key Features

Why Heimify?

Discover the innovative features that make Heimify the best choice for flexible home financing.

No Monthly Payments

Transform your home equity into flexible shares and eliminate mandatory payments.

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Instant Cash

Access cash instantly without adding new debt.

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Flexible Equity

Convert equity into tradable Heimshares for unrivaled financial flexibility.

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Home Equity Management

Capitalization Table For Each Property

Experience the first-of-its-kind cap table management detailing every transaction.

Sell Heimshares

Get cash by selling Heimshares at a discount tied to your loan rate.

Buy Heimshares

Restore equity by buying back Heimshares at market value.

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Close-up of hands reviewing contract documents with a toy house, representing Heimshares transactions and first-of-its-kind property cap table management for selling and buying equity.

3 Ways to Heimify Your Home

Icon of a house with a percentage symbol, green arrow toward coins and a dollar sign, and dotted line back to the house—depicting the HEIM Home Equity Investment Mortgage's flexible payments, equity reinvestment, and innovative home financing solution.

HEIM - Home Equity Investment Mortgage

Get a mortgage that lets you pay as much or as little as you want each month, offering total flexibility.

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Illustration of a house with a percent symbol tilted on one side of a scale and a loan document labeled 'LOAN' with a pen on the other, connected by an upward-pointing green and white arrow—representing the HEILOAN Home Equity Investment Loan, offering lump-sum cash with flexible terms and no mandatory regular payments for financial peace of mind.

HEILOAN - Home Equity Investment Loan

Secure lump-sum cash without the burden of regular payments, giving you financial peace of mind.

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HEILOC - Home Equity Investment Line of Credit

Access a home equity line of credit without the stress of mandatory monthly payments.

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How It Works

Get a Heimify Loan in 4 Easy Steps

Transform your financial future effortlessly with our streamlined process.

01. Sign Up & Consult with a Heimify Advisor

Sign up for an account and schedule a consultation with a Heimify Advisor to explore our HEIM, HEILOC, and HEILOAN products and find the best fit for your needs.

Illustration of a 'Request an Estimate' document with a green check mark, a calculator featuring a dollar sign overlay, and additional forms displaying input fields for Building Age, Area, Location, and Purchase Price, highlighting Heimify's quick and easy pre-qualification and application process.

02. Request an Estimate & Apply

Get an estimate and pre-qualify in seconds, then complete our quick and easy online application.

Timeline graphic with a green checkmark labeled 'Materials Submitted September 10, 2024, 10:00 AM,' connected by a green line to a white dot labeled 'Under Review September 11, 2024, 3:30 PM,' illustrating Heimify's streamlined appraisal and inspection review process.

03. Schedule Appraisal & Inspection

During the review of your application, we may request an appraisal of your property (physical or digital) and any necessary documentation.

04. Finalize & Receive Your Funds

Once your investment details are finalized, sign the agreement and receive your funds. Easily manage your transactions with our Home Equity Dashboard!

Confirmation screen displaying 'You Successfully Borrowed $200,000' with a 'View Details' button, showcasing the final step of securing funds through Heimify's Home Equity Dashboard.

FAQs

Answers to the Questions We’re Asked Most Often

At Heimify, we offer three innovative solutions—HEIM™, HEILOC™, and HEILOAN™—each designed to empower homeowners by unlocking the potential of their home equity while maintaining financial flexibility.

HEIM™ is a unique product that combines traditional mortgage financing with fractional home equity investments. This allows homeowners to access a portion of their home’s equity while enjoying the stability of a mortgage. With HEIM™, homeowners can offset their mandatory monthly mortgage payments as long as there is allowable equity available. This means you can manage your financial commitments without the burden of monthly payments throughout the term. Additionally, homeowners benefit from a dynamic buyback feature, enabling them to purchase back their equity shares or Heimshares™ anytime and in any amount they choose. Repayment can also occur when the home is sold, where the proceeds from the sale will be used to pay off any existing debt. This structure not only facilitates homeownership but also helps widen the path to home affordability, providing flexibility and security designed for the modern homeowner.

HEILOC™, also known as HEALOC™, offers a flexible line of credit based on your home equity. This product allows homeowners the freedom to customize their borrowing according to their financial needs. You can draw against your home’s equity, much like a credit card, providing control over your finances without rigid payment structures. With HEILOC™, you can also offset some or all of your monthly payment obligations, making it an excellent choice for managing everyday expenses, funding a business venture, or covering unexpected costs. Additionally, the dynamic buyback feature is available, giving homeowners the option to purchase back their equity shares at their discretion, thereby enhancing financial flexibility.

HEILOAN™, also known as HEALOAN™, provides homeowners with a lump-sum loan secured by their home equity. This option allows you to access a large lump sum cash out of your home’s equity for various purposes, including home renovations, education expenses, or investments, making it an attractive choice for those who prefer immediate access to funds. The HEILOAN™ may offer better rates compared to the HEILOC™ line of credit, ensuring you can effectively manage significant expenses. With HEILOAN™, you can enjoy financial flexibility and the ability to offset some or all of your mandatory payments, helping you navigate life’s challenges effectively. Like the other products, HEILOAN™ also features the dynamic buyback option, allowing for the purchase of equity shares whenever you need it.

Together, these products integrate seamlessly into various home loan types, making them versatile solutions for effectively leveraging your home equity. By understanding the distinct advantages of HEIM™, HEILOC™, and HEILOAN™, you can choose the option that best meets your unique financial situation. At Heimify, we are committed to guiding you through the process and helping you unlock the full potential of your home’s equity. Our dedicated team is here to provide support and answer any questions you may have as you explore these innovative financial solutions.

Still have questions?

Contact our support team for further assistance.

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Your Equity, Your Way—Endless Possibilities

The most flexible home equity solution for life's planned and unplanned moments.