LESS: A Limited Equity-Share System ( Also known as Home Equity Alternative - HEI ) Thousands of homeowners are choosing a new solution created for homeowners who want to unlock their home equity without being locked into a loan. 

The Limited Equity-Share System  is ideal for many of our borrowers for whom conventional financing isn’t appropriate.  It is available on any piece of residential real estate, available to borrowers of any age, and doesn't require payments or repayment for up to 30 years.

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How does it work?
The Limited Equity-Share System (LESS or HEI)  lets you access $35,000 to $300,000 of home equity. It's not a loan, so there are no monthly payments. There is no interest charged, ever. Instead, the lender becomes a partner with you in the future change in value of your property. If your home's value rises, you share the gains when you sell or refinance. If your home's value drops, the partner shares in the loss. 

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Who is it good for?
Many choose the LESS or HEI due to the financial flexibility it provides. This makes a huge difference for people eliminating debt, covering large expenses, or pursuing an investment opportunity. Others have inconsistent income and use the funds to smooth out a period of unpredictable cashflow. Lastly, this program is  also a favorite among those who think the property market is at a peak and want to "hedge" the market.

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​Qualify easier, process faster
This program allows you do everything easily online. You can get pre-approved in minutes and funded in weeks. The eligibility criteria for the LESS or HEI are less strict than those for traditional home equity loans. Homeowners with lower credit scores or higher debts who do not quality for traditional HELOCs and home equity loans may qualify for a LESS or HEI.

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The Alternative to a Home Equity Loan or a Reverse Mortgage

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Thinking Differently Leads to Out-of-the-Box Solutions
Limited Equity-Share programs enable you to convert a portion of your home equity into​ immediate cash that you can use for any purpose. 

What they offer is unlike anything you have seen before. Limited Equity-Share invests alongside you in your home. It’s called a home ownership investment. Why? Because it’s an investment and not a loan. There are no monthly payments on the money provided. ​In fact, there are no payments at all until you sell your home – up to 30 years later.

Instead, Limited Equity-Share hopes to earn a return on its investment from a share of the change in the value of your home from the time they invest to the time you eventually sell. ​

It offers homeowners cash for a share of the home's equity, that is, the amount the home is worth beyond the value of the mortgage. Unlock your home equity with no monthly payments, no income requirements, and no need for perfect credit. 

What about Reverse Mortgages?
Also, Limited Equity-Share programs are not reverse mortgages. With a reverse mortgage, your home equity may decrease over time. With Limited Equity-Share, all the equity you have in your home when you enter the agreement remains yours. All a Limited Equity-Share program does is convert a portion of it to cash for you. 
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Also, while reverse mortgages are limited to homeowners 62 years old and up in their primary residence, Limited Equity-Share programs are available to homeowners on the primary residence, secondary homes, and investment properties up to four units regardless of age. In addition, programs are available for non-owner-occupied residential properties. 

 “These programs can be an effective way to hedge against declines in house prices. This tool provides an opportunity to preserve capital and reduce risks of home ownership without selling your house.” --Investopedia.com-- 

Home Owner Advantages
Because Limited Equity-Share is not a loan, it offers significant advantages over debt-based home finance programs.

To gain access to cash, homeowners can take out home equity loans or home equity lines of credit; however, these loans or lines of credit require a monthly payment, have an interest rate that is often variable, and frequently have a term length of ten years.​

​In contrast, Limited Equity-Share has no interest rate, no monthly payments, no negative amortization, and no accrued interest. With Limited Equity-Share, you control the length of the term by deciding when to sell your home, subject to a maximum term of 30 years.

More Q & A about the Limited Equity Share System

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Q:  Is the Limited Equity-Share Agreement a loan?

A: Absolutely not. There are no interest charges and no monthly payments, ever. It is simply an alternative to mortgage debt such as a Home Equity Line Of Credit, a second mortgage or a Home Equity Conversion Mortgage. ​

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Q: How does a 30-year Limited Equity-Share Agreement work?

A: The Agreement lets you sell a share of your property’s future change in value (up or down) when you sell, in exchange for the certainty of cash today. The provider is making an investment in your property and standing right alongside you, believing that in the long term the change in value when you sell will bring a fair return on their investment. In summary, when you sell, if your home goes up in value, the provider shares in the gain. If your home goes down in value the provider shares in the loss. The upfront cash payment to you is called an Option Investment Payment 

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Q: What is the term (length) of an Agreement and when do I pay the Option Investment Payment back?

A: The term of this agreement is for a period of thirty years. You are not required to make a repayment on the Option Investment Payment until such time as you sell the property, relocate, or pass away. In the event of death, the right of last survivor is applies.​

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Q: What are the next steps? And how do I find out if I qualify?

A: Express your interest by phone or in an email to Mathius Marc Gertz - 
marc@reverseyourthinking.mortgage.
Marc will reach out directly with to you and ask you a few questions to determine your eligibility. If it appears that you could be a good fit for the program, Marc will put you in touch with an intake specialist. The specialist who will walk you through the application process and move things along to expedite the closing.

​Learn more about the Limited Equity-Share programs.

Q: How long is the process from start to finish?

A: The whole process takes approximately 30 days or less.
* For homeowners interested in short term programs, a ten-year plan with flexible termination options in the first three years is available. Ask for details.

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Q: Does my house have to be free-and-clear to qualify?

A: Absolutely not. You can have up to two mortgages on your primary home currently and still qualify for an Equity-Share program. If you want to use a vacation home for the 30-year program, it will need to be lien-free. However, if you want to use second homes or residential investment properties up to four units, you may qualify with or without existing liens on the property for a 10-year term. 

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Q: What fees are associated with the Agreement? And, are any payable out of the homeowners pocket?

A: The LESS program has a Transaction Fee equal to 3-4% of the amount given to the homeowner. Out of this fee, the provider will pay ALL costs associated with the Agreement including third-party costs such as Appraisal, Property Inspection, Title Insurance and Escrow fees. No other fees or costs are due from the homeowner and the provider will simply deduct this fee from your proceeds prior to disbursement. So for $100,000.00 the fee would be $3,000 - $4,000. The Transaction Fee has a max cap of $14,000 per transaction. 

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Real Stories From Real People

"For All Your Help and Support​ "Thank You" isn't enough!  I was this close to having to declare bankruptcy!" --Client Bill T, Los Angeles, CA

"I like being self-employed, but loan options tend to be very frustrating because the banks require a lot to qualify. You have all this equity in your house, You have trouble qualifying for traditional equity products. I’m always keeping my eye out for possible real estate investments. That was a motivation—to be able to have access to that equity rather than have it just sit there and do nothing for me. In my case, I was able to put myself in a position of financial freedom. This program was that connector that connected me from point A to point B." -- Rameil Burbank, CA

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