Equity ReserveAccess · Protect · Deploy

How It Works

From home equity to liquidity.

Equity Reserve begins with the asset you already own — then explores whether a portion of the wealth inside it may be accessible.

  1. 01

    Start With Your Home

    We begin with the property—its value, location, type and existing liens.

  2. 02

    Understand Your Equity

    We evaluate your equity position and explore how much may potentially be accessible.

  3. 03

    Find the Right Program

    An Equity Reserve specialist reviews available proprietary programs and applicable lender requirements.

  4. 04

    Access Your Equity

    If approved, proceeds are provided according to the selected program and loan terms while you continue to own your home, subject to applicable requirements.

The Property Matters

Home value. Less liens. Estimated equity. Potential access.

This sequence runs through every Equity Reserve conversation. Home value is never the borrowable amount.

Check Your Equity
Home Value$4,000,000
Less Existing Liens− $500,000
Estimated Home Equity$3,500,000

A portion of that equity may potentially be accessible.

Available proceeds are not equal to total home equity. Actual proceeds depend on borrower age, property value, appraisal, existing liens, interest rates, property characteristics, applicable proprietary program and lender requirements.

What Is Evaluated

A fundamentally different evaluation.

The homeowner is not primarily being evaluated around their ability to make a new required monthly principal-and-interest payment. Lender underwriting requirements still apply.

Conventional Borrowing

Typical considerations:

  • Required monthly principal-and-interest payment
  • Income
  • Debt-to-income ratio
  • Employment / income documentation
  • Ability to service new monthly debt
  • Conventional credit underwriting

Proprietary Home-Equity Access

Important considerations include:

  • Home value
  • Available home equity
  • Existing liens
  • Property characteristics
  • Borrower age
  • Applicable proprietary program
  • Lender requirements and underwriting

The Full Path

What happens after you reach out.

  1. 01You review the numbers and request a personalized equity access review
  2. 02An Equity Reserve specialist contacts you
  3. 03Property and borrower information is reviewed
  4. 04Appropriate proprietary program and lender options are evaluated
  5. 05Application
  6. 06Underwriting
  7. 07Approval and closing, subject to program and lender requirements

Frequently Asked

Questions worth asking.

Yes. The homeowner generally retains ownership of the property while the lender holds a lien, subject to the loan terms.

The First Step

Let’s explore what your home equity may be able to do for you.

Check Your EquitySpeak With a Specialist
Check Your Equity