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’s a privilege to partner with such an innovative company.

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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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More Q & A about 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 Agreement term is thirty years in length. You do not have to pay back the Option Investment Payment until you sell, move, or die. For death, right of last survivor 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.
​He will reach out to you and ask you a few qualifying questions. If you seem to be a good candidate, Marc will then introduce you to an intake specialist to guide you through the application process and expedite the closing. Please feel free to look at the other information on Equity-Share programs on this website. 

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

A: The whole process takes approximately 30 to 45 days.
* 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.

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: How much do I have to share i the future when I sell?

A: The share of the change-in-value depends upon the amount of cash you want to receive. You can choose to take less cash now and share less when you sell. Here are some examples. 
20.00% / Share determined on a case-by-case basis. 
17.50% / Share would be 70.00% to the provider and 30.00% for you. 
15.00% / Share would be 60.00% to the provider and 40.00% for you. 
12.50% / Share would be 50.00% to the provider and 50.00% for you. 
10.00% / Share would be 40.00% to the provider and 60.00% for you 
7.50% / Share would be 30.00% to the provider and 70.00% for you 
5.00% / Share would be 20.00% to the provider and 80.00% for you 

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

A: 30-year program 
The program has a Transaction Fee equal to 3.9% 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 $3900.00. The Transaction Fee has a max cap of $14,000 per transaction. 

A: 10-year program 
The program, has a Transaction Fee equal to 3-5% for processing and an escrow fee that are deducted from the funds the homeowner receives. The homeowner must pay for an appraisal fee out of pocket to a third party, typically around $550. Appraisal and escrow costs can vary depending upon the size, complexity, and location of the property.