NestBucks

    Turn your home's equity into cash.

    Which option, and how much?

    Not a debt
    No Monthly Payments
    No Credit Score Impact
    Takes under 60 seconds

    Love your low mortgage rate but feel stuck?

    The trap

    A low rate can quietly trap you. Here's the math most homeowners feel but never see:

    • You locked in a low rate. Today's rates are far higher.
    • Moving means giving up that cheap financing, with years still left on it.
    • Sell, and that value disappears at closing. It goes to no one.
    • So you stay, even when the home no longer fits your life.

    That's what NestBucks Plus is for.

    • Take up to 80% of your home's value in cash, less what you still owe.
    • Move on while NestBucks leases and manages your home and pays you monthly rent to put toward your mortgage, taxes and HOA.
    • Leave at least 20% of your equity uncashed, and that's how you keep sharing in your home's future.
    • Keep your low rate working for you. It just stops holding you in place.

    Two ways to unlock your equity

    Now available in the Raleigh and Charlotte, NC area

    NestBucks Plus

    Cash out, receive monthly rent, and keep a share of your home's future.

    Good fit if you:

    • Ready to move on, downsizing, or relocating
    • Want to keep the benefits of your low rate
    • Already rent this home out, or have moved out

    What you get:

    • Up to 80% of your home's value in cash, less what you owe
    • Receive a monthly rent payment to put toward your mortgage, taxes and HOA
    • Leave at least 20% of your equity uncashed and keep sharing in the upside

    Not a fit if you: want to keep living in the home, or your home has rules that restrict renting.

    NestBucks Home Equity Investment

    Stay in your home and access your equity.

    Good fit if you:

    • Want to keep living in your home
    • Need cash but aren't ready to move
    • If it's an investment property, want to continue operating it as a landlord yourself

    What you get:

    • Cash from your equity with no monthly payments
    • Keep living in your home, or keep renting it and keeping the rent
    • Up to 80% combined loan-to-value, 10-year term

    Highly competitive. We built the NestBucks Home Equity Investment to be one of the most homeowner-friendly on the market, including a partial paydown option most providers don't offer.

    Not a fit if you: want to move out, have the home managed, and receive monthly rent. If that's you, look at NestBucks Plus.

    With NestBucks Plus, you keep more of your home's value

    NestBucks Plus is built to leave more in your pocket. You keep at least 20% of your equity uncashed, so you still share in your home's growth. While you're gone, NestBucks leases and manages your home and pays you monthly rent to put toward your mortgage, taxes and HOA.

    Here's the same $500,000 home, with $100,000 taken in cash today, five years later:

    $76,516

    more in your pocket with NestBucks Plus, even if your home value drops.

    If your home is worthYou keep with NestBucks PlusYou'd keep with a typical HEIYou keep more by
    $450,000 (down 10%)$190,000$113,484$76,516
    $500,000 (no change)$200,000$143,484$56,516
    $579,637 (up 3% a year)$241,411$191,266$50,145
    $669,113 (up 6% a year)$283,823$244,952$38,871

    You come out ahead with NestBucks Plus in every case, and the gap is widest if the market dips. Check your eligibility and we'll send the exact numbers for your home.

    Illustration on a $500,000 home with $100,000 taken in cash. Assumes a $300,000 mortgage balance at inception, on a 30-year fixed at 3%, seasoned five years. A typical HEI is shown at twice the 20% starting share of the home's final value. Not a forecast.

    Why homeowners choose NestBucks

    We're not a lender. We're your equity partner, and we only do well when you do. Whichever path fits you, the basics are the same.

    No monthly payments.

    Neither option is a loan. You never send us a check every month.

    No credit score impact.

    We look at your home, not just your credit. No hard pull, no hit to your score.

    You keep a stake.

    With both options you stay an owner and keep sharing in your home's future. You're not just cashing out and walking away.

    We take care of your home.

    With NestBucks Plus, keeping the home in great shape is on us, and it matters to us as much as it does to you. Our return depends on the home's value, so we maintain it like it's ours.

    A clear term, no surprises.

    Each agreement has a set term, and you settle at or after it. You'll know the timeline from day one, with no monthly clock in between.

    Real people who earn your trust.

    Straight answers, honest trade-offs, and a team that treats your home and your decision with the seriousness they deserve.

    Use your equity for what matters

    Whatever you're working toward, NestBucks helps you put your home's value to work, without monthly payments or added debt.

    Pay Off High-Interest Debt

    Eliminate credit card debt and save thousands in interest payments

    Home Improvements

    Renovate your kitchen, upgrade your HVAC, or increase your home's value for resale.

    Education Expenses

    Support your kids’ education or invest in your own future.

    Start or Grow a Business

    Use your equity to fuel your dream, launch something new, or expand what you’ve built.

    Cover Medical or Family Expenses

    Handle unexpected costs like medical bills or major life events with less financial stress.

    Investment Opportunities

    Save, invest, or prepare for the unknown—flexible cash when you need it most.