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 trucks, and no rushed relocation.
- 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 reflects the home in as-is condition; the third-party certified appraisal is separate and exists for your legal protection.
the longest stay your equity can prepay
One transaction.
Three steps.
You stay in your home.
Request your equity valuation
Provide basic property details and your estimated mortgage balance. No credit check, no paperwork, and zero obligation.
Select your preferred stay duration
Compare your as-is purchase price, lien payoffs, and net cash proceeds across 3, 6, 12, or 24-month terms with zero monthly rent payments.
Close with attorney supervision and stay
A licensed North Carolina attorney oversees the closing. Existing mortgages are paid in full, net proceeds are wired to you, and you remain in your home.
Your home is likely your largest financial asset, but the equity inside it is locked away. Equity Funding turns that equity into cash without forcing you to move.
Built for life
transitions.
Homeowners choose Equity Funding for distinct financial and personal reasons. If your goals align with any of these scenarios, reviewing your options is fast, free, and confidential.
Resolving mortgage pressure
If you are facing loan delinquency or tight deadlines, our direct purchase clears your existing mortgage in full at closing. Because you remain in the property as a resident, you resolve the debt immediately without having to leave your community.
Capital without bank hurdles
Major life events often require capital when traditional lenders decline HELOCs or refinances based on credit scores or income documentation. Equity Funding bases qualification directly on the home and its available equity, not bank underwriting.
Unlocking equity without moving
Uprooting family routines, switching school districts, or rushing into an expensive rental market is too high a price for accessing cash. Sell your home, receive your net proceeds, and stay in place with zero monthly housing payments while you plan your next move.
Choose your
stay duration.
Every program follows the same mathematical foundation: your home is sold, liens are cleared, and your stay is prepaid upfront from equity with zero monthly rent. Select the timeline that fits your life.
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 zero 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 an immediate move? Sell now is always available. Take your full net equity at closing and move on your schedule within a few weeks.
Standards built
into every deal.
Monetizing your home equity requires absolute clarity. Every standard below is an enforceable operating mechanic of our platform, backed by North Carolina law.
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. You see the final numbers in writing, with time to cancel under state law, 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, meaning you are $0 out of pocket. Until you sign, you can step away at any point.
Real, recorded documents
Your sale and lease are formal recorded transactions: public documents that you, your attorney, or your family can review 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.
Objective guidance across all options
Selling and staying is not universally the lowest-cost path to equity. If conventional refinancing or a standard market listing better serves your financial goals, we highlight that clearly before you commit.
Clear answers to
your questions.
Explore how the Sell & Stay structure works in detail. For side-by-side comparisons with traditional mortgages and market listings, review our evaluation guide.
Explore 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 score.
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 approaching, tell us immediately. In specific situations we can work within a tight timeline while strictly following state statutory requirements. 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 adjust (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 requires 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 (through a standard background and income review) 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, representing our purchase price 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.
Comparing your
equity options?
Selling and staying is one of several ways to access capital from your home. Review our in-depth evaluation guide to compare traditional bank financing, market listings, and the essential questions to ask before choosing an equity solution.
See your numbers.
It costs nothing to look.
Check your eligibility in minutes with no credit check, no income verification, and zero obligation to move forward.
- No monthly payments
- No credit check
- NC attorney closing