EquityKey enables a property owner, ages 65-85, to receive a lump sum payment without incurring debt or paying large upfront fees. In exchange, EquityKey shares a percentage of the future appreciation. EquityKey also does not involve your current equity. They only share in future appreciation.

Qualifying is easy. Primary residences, 2nd homes, investment, and commercial properties are all eligible, as long as their total value is $500,000+. For a single, qualified property owner the percentage of future appreciation sold to EquityKey is 50%. If there are two property owners and both wish to participate and are qualified, they can choose to sell 100% of future appreciation and both receive EquityKey payments.

To hedge against loss and insure the program has funds to meet its obligations, to you or your heirs under the Investment Agreement, EquityKey purchases a Life Insurance Policy on the property owner(s). EquityKey pays all insurance premiums and is beneficiary. There is absolutely no cost to the property owner(s). The lump sum payment is based on the property’s current value, age of the property owner(s), and the expected appreciation of the property/Life Insurance premiums that EquityKey will pay. For each participant, the lump sum option is between 12- 15% of the property value at the beginning of the Agreement(24-30% if both participate).

EquityKey is a debt-free alternative for those considering a reverse mortgage or other home loan(s). Rather than going into debt and risking the present equity you’ve worked hard to build, we believe there is a better solution. With EquityKey, you have the opportunity to receive debt-free cash today. In exchange, we obtain the right to participate in the future appreciation of your home. The existing equity in your home remains yours.

What if My Home Depreciates in Value? You still keep the money EquityKey paid you. We believe real estate is a sound long-term investment. If your home loses value, we’ve lost money paid to you. The amount you receive from EquityKey is not a loan and does not create debt; therefore, we assume the risk of loss if your home does not grow in value.

What if My Home Appreciates in Value? You keep the money EquityKey paid you. We share in any increase in your home’s value after entering our Agreement. The percentage of appreciation you retain is detailed in your Agreement, and specific to individuals.

If history is any indication, years from now your home will likely be worth more than today. We believe our investment in your property will result in us receiving more from our share of future appreciation than the amount we paid you. We view this as a win-win. We provide the cash you need today and look forward to sharing tomorrow’s growth.

*If at the end of your agreement term EquityKey acquires your property, we will charge an acquisition cost equal to our actual third party costs to sell it. This cost will never be more than 8% of the fair market value of the house at that time. There can be no guarantee participation in EquityKey is suitable for you. Please consult your own legal counsel, financial advisor, tax planner and any heirs to your estate before making a decision to participate in the EquityKey program.