Patch Homes is now Noah Read more

Noah vs. HELOCs

Owning a home is a smart investment, and you should be able to enjoy it. That’s why, unlike other products, Noah doesn’t burden homeowners with unpredictable interest rates.

No monthly payments
Quick closing
Beyond credit score

A better way to access your home equity.

Here’s a comparison of home equity sharing with Noah compared to a standard HELOC product.
Term length
10 years
5-30 years
Interest rate
0% APR
Ranges from 2.87%-21% APR
Monthly payments
Debt-to-income to qualify
Up to 60%
Up to 43%
Credit report requirements
You do not have multiple 60-day or 90-day delinquencies on your credit report
You must have a strong history of on time payments

Still wondering if Noah is right for you?

See what kind of funding you qualify for