More options for more homeowners

There’s no one-size-fits-all home financing solution. Alternative financing options are available for first-time buyers and seasoned homeowners alike.

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Tap into your existing home equity

If you’re a homeowner, then you might have considered tapping into your existing equity for renovations, debt payments or other expenses. But there are many different ways to take advantage of your home's value, depending on your situation.

An open-ended loan that gives you a revolving line of credit, similar to a credit card. Borrow as much or as little as you need against your home equity, which can keep monthly payments lower compared to a lump sum. The interest rate is adjustable throughout the draw period – usually up to 10 years.

Best for homebuyers who...
want to use the equity they’ve built in their home to finance other expenses on an ongoing basis over a limited period of time.

More: HELOCs vs. home equity loans →

Cash offers

With almost zero financing fall-through risk and faster closing times, cash offers can help you stand out to sellers. Cash offer services can back your offer with cash as a way to help you beat other bidders. Successful buyers will then get their home directly from the servicer via a lender loan.


Best for homebuyers who...
want to make the strongest offer possible on a home, but might not have the cash on-hand for an all-cash offer.

More: Making all cash offers →

Buy-before-sell

Qualified borrowers can unlock their current home’s equity and buy their new home before they sell through a specialized lending process. A buy-before-sell service can buy your old home outright so you can instantly tap into your equity to close on your new home. Once your old home sells, borrowers share a percentage of the profits with the servicer.


Best for homebuyers who...
already own a home and are looking to move, but have already found a new home they’d like to buy prior to selling their existing home.

More: How buy-before-sell works →

Refinancing

There are many reasons homeowners might want to refinance a mortgage. You might want to capitalize on lower rates to save on your total interest paid in the long run, switch from an adjustable-rate to a fixed mortgage, or even change the repayment terms of your loan.


Best for homebuyers who...
want to lower their monthly payment or interest rate, change their loan type or cash out some of their equity.

More: How to refinance a loan →

Sales leaseback

A sales leaseback can be a good solution if you want to continue living in your home for a given period of time, in exchange for cashing out your equity. This option has grown in popularity among buyers who want to stay in their current home temporarily while they search for or move into their new residence.


Best for homebuyers who...
want to sell but haven't found a new home, or for owners who want to stay in their current home, but need immediate cash flow.

More: Sales leaseback →

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