Could you use some financial breathing room?
Gain the financial flexibility you need with a Home Value Investment from Noah.
Secure your savings
When life throws a curveball, have the financial flexibility to take it in stride.
Pay down your debt
Relieve financial strain by paying off student loan, credit card, and medical debt.
Build your business
Give yourself the security you need to invest in your small business.
Renovate your home
Invest in the comfort of your home while staying in the neighborhood you love.

Access up to $350,000 today

Access up to $350,000 today

Access up to $350,000 today

01
Get pre-qualified
Instant pre-approval and a custom quote are free and won't affect your credit score.
02
Complete your application
Provide your personal details and tell us the investment amount you need through our secure online portal.
03
Receive your funds
Once your documents are signed and notarized, we'll transfer the funds within a few days.
See if partnering with Noah is right for you
Here’s a comparison of a Home Value Investment compared to a standard cash-out refinance.
NOAH
CASH-OUT REFINANCE
NOAH
CASH-OUT REFINANCE
Interest rate
0%
3.9% to 4.5%
Interest rate
0%
3.9% to 4.5%
DTI
Up to 60%
Up to 43%
DTI
Up to 60%
Up to 43%
Monthly payments
No
Yes
Monthly payments
No
Yes
Comparing Cash-Out Refinancing with a Home Value Investment

If you have bills coming up but your checking account is feeling pinched, you’re not alone. Many homeowners in America are asset-rich and cash-poor, meaning most of their wealth is tied up in things they own, like their home. A cash-out refinance is one way homeowners can convert their largest asset – their home equity – into cash, but how does it compare to a Home Value Investment?

How does a cash-out refinance work?

A cash-out refinance loan replaces your current mortgage with a new loan that’s higher than the balance you owed before. The idea is you pay off your existing mortgage and have money left over to spend on other financial plans, but your new mortgage will come with a new interest rate and a new monthly payment (which generally increases along with loan size). You'll also need to have a certain amount of equity to make cash-out refinancing work. Generally, if the amount of cash you need would cause you to to dip below 20% equity in your home, a cash-out refinance may not be the best option for you.

How does a Home Value Investment work?

When you get a home equity sharing agreement, a partner like Noah will approve you for a maximum funding amount in exchange for a percentage of your home’s value. Unlike a cash-out refinance, a Home Value Investment does not have any interest or monthly payments associated with it for up to 10 years – instead, you’ll pay Noah back later based on the value of the home at that time. If it’s grown in value, we’ll share in the gains with you. If it’s decreased in value, we’ll also share in those losses alongside you.

See what our homeowner partners say

Eligibility criteria and costs for each comparable financing option were sourced in July 2020 from various sources and are meant to be used as estimates only; they are not quotes for financing. Approval for a Home Value Investment from Noah depends on a variety of eligibility criteria.