EquityKey is a new kind of real estate investment company, allowing homeowners to exchange the possibility of future appreciation for the certainty of cash today.
The EquityKey Home Appreciation Rights Agreement lets you sell a share of your property’s future appreciation, changing the economics of residential real estate by helping to manage both the risk and cost of ownership. The money you receive from us is not a loan, there are no monthly payments, and you still own your home. EquityKey is making an investment right alongside you, believing that more often than not, our share of the long-term appreciation will more than cover our initial payment. For many EquityKey clients, that money translates into new freedom and control. It can be used to pay down your mortgage or other debt, reducing your monthly expenses and helping to better align your assets and obligations. Or you can use it to diversify your investments beyond real estate; after all, few people would tie so much of their wealth to a single stock. You can use it to fund a child’s or grandchild’s education, to make a charitable contribution, to fulfill a lifelong dream—the choices are endless. Businesses routinely use cash from investors to retire debt, reduce liabilities, and finance new ventures. Now, EquityKey provides homeowners a way to do the same. Unlock the future value of your home today. ™ EquityKey is a new kind of real estate investment company, allowing homeowners to exchange the possibility of future appreciation for the certainty of cash today. It’s simply a new alternative to home finance.
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The EquityKey Home Appreciation Rights Agreement lets you sell a share of your property’s future appreciation, changing the economics of residential real estate by helping to manage both the risk and cost of ownership.
The money you receive from us is not a loan, there are no monthly payments, and you still own your home. EquityKey is making an investment right alongside you, believing that more often than not, our share of the long-term appreciation will more than cover our initial payment.
For many EquityKey clients, that money translates into new freedom and control. It can be used to pay down your mortgage or other debt, reducing your monthly expenses and helping to better align your assets and obligations. Or you can use it to diversify your investments beyond real estate; after all, few people would tie so much of their wealth to a single stock. You can use it to fund a child’s or grandchild’s education, to make a charitable contribution, to fulfill a lifelong dream—the choices are endless.
Businesses routinely use cash from investors to retire debt, reduce liabilities, and finance new ventures. Now, EquityKey provides homeowners a way to do the same.
Unlock the future value of your home today.™
EquityKey is a new kind of real estate investment company, allowing homeowners to exchange the possibility of future appreciation for the certainty of cash today.
It’s simply a new alternative to home finance.
Flexible TermsAn EquityKey agreement can be tailored to your needs. EquityKey typically pays between 6% and 17% of a property’s current appraised value in exchange for a share of future appreciation for as long as you own the home. If, for example, a home had an appraised value of $750,000, EquityKey would pay you between $45,000 and $127,500. The amount that you receive within that range is largely decided by you, based on the type of agreement you choose and how much appreciation you are willing to sell. We can show you various options to help you find the right balance between current and future needs.
Straightforward RequirementsTo qualify for the EquityKey Home Appreciation Rights Agreement, you must be between 18 and 85 years old, and satisfy certain requirements showing you are able to continue any payments and maintenance required on the home.
Both primary residences and second homes are eligible, providing they meet or exceed minimum value requirements in your market. The maximum combined value of all mortgages may not exceed 65% of the value of your home. After submitting an application and paying for the appraisal of your home, it typically takes 4–6 weeks to complete the transaction and send you your funds.
Transparent CalculationsOver the life of the agreement, appreciation is measured using the S&P/Case-Shiller Home Price Index,® not the actual value of your home. The S&P/Case-Shiller Home Price Indicies track the changes in real estate values in 20 major US markets.
The S&P/Case-Shiller Index is widely regarded as the national benchmark for measuring home price movement. There are a few advantages to using the index. For one, it helps to mitigate the subjective nature of appraisals. Also, if you add a bedroom or remodel the kitchen, the added value of those improvements will not be reflected in the index. You paid for them, and it’s only fair that you receive all the benefit. Perhaps best of all, the index is published on the S&P website. You can check its performance just by visiting standardandpoors.com, and know exactly where you stand for the life of our agreement.
Any information in these materials is qualified in its entirety by the terms of a final and binding EquityKey Home Appreciation Rights Agreement and you will receive related disclosures before you enter into an Agreement. You will need to read those materials carefully. An EquityKey Home Appreciation Rights Agreement is not the right choice for everyone. If you are planning on selling your property during the first 7–10 years of our Agreement, you may owe us a Minimum Settlement Amount. Before entering into an EquityKey Home Appreciation Rights Agreement, you should discuss and review the transaction with your heirs as well as your legal, tax and financial advisors to see if an EquityKey Home Appreciation Rights Agreement is right for you.
S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”), Case-Shiller® is a registered trademark of Corelogic Case-Shiller, LLC (“Corelogic”), and these marks have been licensed to S&P Dow Jones Indices LLC and sublicensed for certain purposes to EK Investments, LP and it’s subsidiaries and affiliates (together “EquityKey”). The S&P/Case-Shiller Home Price Indices (the “Indices”) are proprietary to Corelogic and have been licensed to S&P Dow Jones Indices LLC and sublicensed to EquityKey in connection with Appreciation Rights Agreements (“Agreements”). The Agreements are not sponsored, endorsed, sold or promoted by Corelogic, S&P Dow Jones Indices LLC, S&P, or their respective affiliates or third party licensors and none of such parties make any representations or warranties regarding the advisability of participating in the Agreements.
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