FAQs

It's a totally new way to get cash from your home — without taking on debt or monthly payments, like you would with a cash-out refi. Instead, you sell a small slice of your equity and get $50,000 to $200,000 in cash, in as little as 10 days. It's all about the equity in your home, so your income and credit don't really matter. You keep living in your home as long as you like. And if circumstances change, you can buy that slice back within the first 5 years. You're in the driver's seat — we're in the passenger seat, sitting alongside you as a minority co-owner. Think of it like selling a small share to your brother or your mom. If you ever sell the home, we share the proceeds in exactly the same proportion we own. You stay in the house. You keep most of the upside. We just come along for part of the ride.

You apply in a couple of minutes and see your offer. If you like it, you provide identification and a mortgage statement (if you have a mortgage on the property) and sign a few docs. Then you instruct us to perform a title search — this usually takes 2 to 3 days, but attorneys can sometimes hold it up. A few more signatures after that and you're funded. Start to finish, cash in hand in as little as 10 days. There's always a Beeline Equity Guide standing by to help.

No. A loan means you borrow money and pay it back with interest. With Beeline Equity Now, you sell us a small percentage of your home's equity. We become a minority co-owner on title. There's nothing to repay, no interest building up, and no monthly payments. If you eventually sell the home, we share in the proceeds proportionate to the percentage that we own.

You do. We own a minority slice of the equity and sit alongside you on title as a co-owner. You live there, you decide when to sell, you make the day-to-day decisions. We're a passive partner, not a landlord.

Currently, we're offering $50,000 to $200,000. Find out how much you can get by popping your address into our instant offer tool and you'll see a real number in under a minute — no credit check, no commitment.

No. There's nothing to repay and no monthly payment. We get our share when you eventually sell the home. If you want to buy us out before then, you can — but you're never forced to.

Yes. Stay as long as you like. This isn't a downsize, a move-out, or a rent-back. It's your home — you just have a co-owner on title.

If you own your home, live in it and it's worth at least $900,000, you're in the ballpark. It's all about the property, so your income and credit aren't checked at all. The best way to find out is to pop your address into our instant offer tool — you'll know in under a minute. No credit check, no commitment.

Owner-occupied, single-family primary residences with a property value of at least $900,000. Second homes and investment properties aren't eligible for now. And we're not in every zip code yet — the offer tool will tell you if we can help where you live.

At least 50% available equity in your home, before the transaction. So on a $1M home, we're looking for an existing mortgage balance of $500,000 or less.

No. Because this isn't a loan, your credit score doesn't drive the decision the way it would for a HELOC or refi. We care far more about the property and your equity position. If your credit has been a bit bumpy, that's okay.

No. There's no income verification, no debt-to-income check, no pay stubs to dig up. This is about the equity in your home, not your paycheck. Self-employed, retired, in between jobs — none of it is a problem.

Yes. It needs to be your primary residence. Second homes, holiday homes, and investment properties aren't eligible at the moment.

In most cases, yes — as long as you still have enough unencumbered equity in your home. If you've got a mortgage and a HELOC but still hold at least 50% of the equity, you're probably good to go. Worth a quick read of your existing agreements first, just to check they don't have any restrictions.

The quickest way to check is to pop your address into our offer tool — if we can help where you are, you'll see a real number in seconds.

Absolutely. There's no income check, no debt-to-income calculation, no credit gymnastics. If you own your home and have the required equity, you're eligible.

There's an 8.5% transaction fee based on the amount of cash you receive, plus standard title and closing costs (title search, title policy, doc prep, notary, settlement, recording fees, transfer taxes). If you have any delinquent property taxes, those are settled at closing too. You can choose to sell a very small additional sliver of equity to cover the transaction fee (most popular) or it can come out of your proceeds so there's nothing out of pocket. It sure beats coming up with monthly payments every month for the life of a loan.

We use something called the Consensus Fair Market Value — it's based on several independent automated valuations. You'll see the number before you decide anything.

The percentage we buy is based on your home's value and the amount of cash you want. Once that's agreed, we verify title and equity, then record a deed transferring the ownership interest to us. Valuation starts with what we call the Consensus Fair Market Value — a precise figure drawn from several independent automated valuations. The slice we buy is priced at a slight reduction to that value, roughly 20%. The reduction only applies to the portion we buy — your remaining equity stays at full market value. That reduction is what makes the whole structure possible. It's why you pay no monthly payments, no interest, and face no pressure to sell for the next ten or twenty years or indefinitely, while we sit passively alongside you as a minority co-owner. You keep the upside on the share you retain. In return, you get cash in days, with no loan and no debt against your home — just a clear, one-time trade for liquidity on your terms.

Yes. Clean and simple. If you sell us 10% today, we get 10% of the sale proceeds when you sell the home — not some inflated number hidden in the fine print. What you see upfront is what happens at the end.

During the first 5 years, you can repurchase the share of the property if circumstances change. The price used is the greater of: (a) the price we purchased the share for plus a 2.5% exit fee, or (b) the updated Consensus Fair Market Valuation minus the reduction in price we applied to the share we bought. After the 5 years, in the very unlikely event that the property has fallen in price, we do share the downside, even if your property's value falls below the pre-5-year values described above. We're selective in the properties we work with, so normally there's upside and when you win we win too — real co-ownership, not a one-way street.

It's really easy and fast — no credit checks, no income requirements, and minimal documents. We do all the heavy lifting. Apply in a couple of minutes to see if your property applies, then you'll see your offer right away. Take a good look at your equity estimate — how much you're accessing, what you're keeping, what it costs — all laid out clearly. Your Beeline Equity Guide will answer any questions and take you through it if you like. If you're happy, the next step is light. We just need a form of identification (i.e., a valid driver's license, passport, etc.) and a recent mortgage statement (if you have a mortgage on the property). Once you agree to the basic terms, we will run title on the property. Then you're just a couple of signatures and a few days from transferring that home equity to your bank account.

Cash in hand in as little as 10 days, but we've done plenty in 7. Fourteen days is on the long side — Beeline Equity Now is different from a mortgage in every way.

Pretty light. A valid, government-issued ID and mortgage statement and any other lien statements/information if you have one. That's it.

No. It's not a loan. No debt-to-income check and no income verification. Self-employed, retired, between jobs — none of it gets in the way.

None. It's the home that qualifies, not you, so we don't pull your credit. If you've got lots of equity and a bit of a bumpy financial profile, this is often a great fit.

You'll land in your Beeline Tracker, where you upload your ID and mortgage statement and review your Equity Estimate. Your Beeline Equity Guide will reach out straight away to walk you through it and answer any questions. Then you'll instruct us to run title, finalize the numbers, and schedule the deed signing. From application to cash in your account is usually 10 to 14 days.

None. Getting an offer is free and takes a couple of minutes. No credit pull, no commitment, no pressure. Have a look, think about it, ask us anything. Only move forward when you're ready.

No. We use several independent automated valuation tools instead of a traditional appraisal — faster, free, and one reason we can get cash to you in as little as 10 days.

Yes. You're the primary owner, you live there, and completely control everything about how you use the home — who stays, what you renovate, whether you paint the kitchen orange. The only difference is you no longer own 100% of the equity; we own a small minority slice alongside you, legally recorded on title. You're still responsible for all the usual costs — taxes, insurance, HOA fees, maintenance, repairs, etc. We don't chip in on those. Our role is strictly financial. We receive our equity percentage of the proceeds when the home eventually sells.

Of course. It's your home — do as you like. Remodel, extend, paint the walls whatever color you fancy. We don't get involved. All we ask is that you keep up basic maintenance, pay your taxes, and keep your homeowner's insurance current.

Nope, not while we're co-owners. The home needs to stay owner-occupied under the agreement. If your situation changes and you want to turn it into a rental, you can buy our slice back within the first 5 years, then go for it.

You do. Taxes, insurance, HOA dues, maintenance, repairs — all of it stays with you, just like before. We don't share in those costs.

Sell any time — you're in the driver's seat. When you do, the proceeds are split on a pro-rata basis between you and us, based on the ownership percentages on title. No deadlines, no one telling you when to list.

No problem. Stay as long as you like. There's no required sale date deadline. The home is yours to live in for as long as you want — just keep the insurance current.

During the first 5 years, you can repurchase the share of the property if circumstances change. The price used is the greater of: (a) the price we purchased the share for plus a 2.5% exit fee, or (b) the updated Consensus Fair Market Valuation minus the reduction in price we applied to the share we bought. After the 5 years, in the very unlikely event that the property has fallen in price, we do share the downside, even if your property's value falls below the pre-5-year values described above. We're selective in the properties we work with, so normally there's upside and when you win we win too — real co-ownership, not a one-way street.

Yes. You can buy our slice back within the first 5 years. After that, we remain co-owners until you eventually sell the home.

No prepayment penalty. This is not a loan. If you buy back within the first 5 years, there's a 2.5% exit fee — calculated on the repurchase amount. So on a $300,000 buy-back, that's $7,500.

You own the majority of the equity and live in the home. We own a minority slice — recorded on title as a proper deed (not a deed of trust — remember, there is no lien). You drive. We're along for part of the ride.

A reverse mortgage is a loan with compounding interest; Beeline Equity Now isn't a loan at all. With a reverse mortgage, interest quietly piles up month after month, and by the time the home sells, the debt can eat straight into what you wanted to leave your family. Beeline Equity Now is different. Sell a small slice of your home equity, get cash in as little as 10 days, and that's it. You still keep the majority of the asset and the majority of the upside. No monthly payments. No interest compounding in the background. There's no age restriction — reverse mortgages are generally for people aged 62 and up, whereas we work with everyone. And if you're planning to stay in your home for more than about 6 years, the math favors us pretty clearly in most instances. Get the best of both worlds — access the value you've built, for what matters now, while staying in your house and leaving it to your loved ones, not the bank.

Beeline Equity Now gives you cash with no new debt and no monthly payments. A cash-out refi gives you cash but ties you to a bigger mortgage for decades — which can suit some people. With a refi, you're looking at a new rate and a monthly payment for the life of the loan. Every month, for the rest of the loan, you're paying. That weight adds up, long after the cash is spent. With Beeline Equity Now, rates don't matter. There's no loan. Sell a small slice of your equity, get cash in as little as 10 days (instead of 30-45!), and carry on — no new debt hanging over you, no monthly payment in the calendar. If your credit or income is a bit bumpy, it's a no-brainer. If it's not, it's still worth a look.

A HELOC is a variable-rate loan secured against your home; Beeline Equity Now isn't a loan at all. With a HELOC, you'll pay interest on whatever you draw, usually at a variable rate that can climb without warning. Miss a payment and things get uncomfortable. And to get one in the first place, your credit and income need to be solid. With Beeline Equity Now, rates don't matter. There's no loan. Sell a small slice of your equity, get cash in as little as 10 days, and move on — no variable rate, no monthly payment, no credit check needed. If your credit or income is a bit bumpy — or you just don't want another bill to pay each month — it's a great solution.

Beeline Equity Now is a true fractional sale of equity. Most other HEI products are structured as loans in disguise. Here's the detail — other HEI companies will tell you it's not a loan, but they do record a deed of trust and put a lien on your property, with a repayment horizon — 10, 20, 30 years — where you owe them back as if you borrowed the money. There's still a future repayment obligation hanging over your head as opposed to a true equity partnership. Then there's the math. Most HEIs charge a fee, share the upside, and shield themselves from the downside. If the home goes up, they take a cut. If it dips, you often carry the loss. And the way they calculate your share can be confusing and punitive — giving you X% in cash today and taking Y% when you sell. That's called participation asymmetry. With Beeline Equity Now, it's a pure fractional sale of equity. We buy a percentage of your home, record a deed, not a deed of trust — and sit side by side with you on title as a minority co-owner. We share the downside the same way we share the upside — proportionate to what we own. Real co-ownership, not a one-way street. That said, there's a built-in floor for the first 5 years. If you choose to buy our share back in that window, the price is the greater of what we paid for the share plus a 2.5% exit fee, or the current Consensus Fair Market Value of our share added back to reflect the ~20% reduction we originally applied. In plain English: during those first 5 years, a buy-back protects us from a short-term dip — you can't hand back a share worth less than we paid. After 5 years, that floor falls away. If the market has dropped, we ride it down with you, pro-rata. The split is clean. If you sell us 10% today, it's 10% when you sell later. What you see upfront is what happens at the end. You decide when to sell. No deadline, no ticking clock in the background, no one nudging you toward the exit. It's your home, your timeline, your call.

Beeline Equity Now lets you access your home's equity without actually selling the entire house. Downsizing unlocks the same cash but means leaving your home. It works for some people — but it means leaving the street you love, and the place you made home for your family. It also means agent fees, closing costs, moving costs, and potentially capital gains tax. That is a lot of effort to unlock cash that's already sitting in your home. With Beeline Equity Now, you get cash from that same equity without packing a single box. Stay where you are, get cash in as little as 10 days, and keep the home — and the memories — in the family.

Beeline Equity Now gives you access to $50,000–$200,000 based on your home's equity, with no interest and no monthly payments. A personal loan is capped by your income and charges interest from day one. Personal loan interest rates are typically 10% to 20%, payments start immediately, and the amount you can borrow is usually limited by what your income can support. People actually use Beeline Equity Now to consolidate and repay personal loan and credit card debt to free themselves and their monthly cash flow.

Generally, it's treated as a partial sale of your home by the IRS — and for most homeowners selling a slice of their primary residence, the gain falls under the Section 121 exclusion, which exempts up to $250,000 of profit if you're single or $500,000 if you're married filing jointly. That means many people won't owe any tax at all. But everyone's situation is different, so we'd always recommend running it past a tax professional before you commit.

The agreement is tied to the property itself, so the terms continue to apply if your heirs inherit the home. They'll inherit your share of the ownership and can either sell the property (at which point we settle our share) or buy us out. We'll work with them the same way we worked with you — straightforwardly and without pressure.

Yes, that's fine. We'll just need to see your trust documents before we can proceed, and the authorized trustee will need to sign the final agreements. It adds a small step but doesn't change anything about how the product works for you.

The agreement stays with the property. Your estate and heirs inherit your share of the home, and they can either live in it, sell it, or buy out our slice — whatever works for them. No debt to repay, no clock ticking, no pressure on timing.

Divorce can affect how the home is held, but it doesn't undo the agreement. If the home is sold as part of the settlement, we settle our share alongside everyone else. If one spouse keeps the home, the agreement continues with that spouse. If it's more complicated than that, we'll work through it with you and your legal team.

Yes, you can refinance your mortgage. Keep in mind that most traditional lenders may not allow you to refinance with this arrangement on title. If you need to refinance, you may need to buy your portion of the equity back at that time if you cannot find a lender willing to mortgage your remaining interest in the property.

You'll need to keep the home insured — that's part of the agreement. If something happens, your insurance payout follows the same pro-rata split as a sale would: you get the majority share; we get ours, proportional to what we own. We'd rather it never comes to that, obviously.

No worries. Getting an offer and talking to an Equity Guide is completely free and non-binding — you can walk away at any point before you sign the final agreement. Even after you sign, there's a "change of heart" window where you can buy back the share at exactly the same price you sold it for up to 5 days after closing. We'd rather you take your time and make the right call rather than rush into something.

Our Equity Guides are here to answer any questions and support you, but it's also a good idea to speak with a financial advisor, tax professional, or trusted family member. It's your home and your decision — take the time you need.