Resources & FAQ

A partnership where we give you cash today for a share of your home's future value. Not a loan: no required monthly payments, no interest, no credit impact. You remain the owner and keep living in your home.

Loans and HELOCs require monthly payments and charge interest. With NestBucks HEI you get cash upfront with no required monthly payments, and we share in your home's appreciation when you sell or refinance. We also offer a partial paydown option most providers don't offer.

Yes. You remain the owner and can keep living there. We hold a financial interest in a share of your home's future value.

We share in a portion of your home's future value when you settle. If your home does well, we do well, which keeps our incentives aligned with yours.

It stays exactly as it is, in your name and at your current rate. You don't refinance, and you keep paying it as you do today. Our investment is secured by a lien recorded behind your existing mortgage.

You may owe less than the original investment amount when you settle. We share in the downside as well as the upside.

Arizona, Florida, Georgia, North Carolina, Virginia, and Washington. We're expanding.

You keep at least 20% equity after our investment. On a $400,000 home, your mortgage plus our investment stays at or below $320,000.

Up to 80% combined loan-to-value, meaning your mortgage plus our investment stays at or below 80% of your home's value. The investment is capped at $500,000 per home. In automated estimates we never display more than $250,000 in unlockable equity.

Single-family homes, townhouses, and condos. We accept both owner-occupied homes and investment properties, on terms that may differ.

No. You keep living in your home. If it's an investment property, keep renting it and keeping the rent.

You can get an initial estimate in under 60 seconds. After you submit a full application, closing typically takes 2 to 3 weeks.

Recent mortgage statements, property tax records, and homeowner's insurance information. Most homeowners do not need income documentation. We'll tell you exactly what's needed for your situation.

We may run a soft credit check that does not affect your credit score. There is no hard pull. Most homeowners qualify with a credit score of 500 or higher.

There are no required monthly payments to us, so your out-of-pocket obligations don't rise and your DTI is not negatively affected. If you're planning a future mortgage application, talk to us and we'll walk through the details.

The term is 10 years. You settle when you sell, refinance, or buy us out, at any point within that 10-year term.

Yes, optional partial paydowns anytime, penalty-free, to reduce your future settlement, or buy us out entirely. We use an updated appraisal.

We may run a soft credit check that does not affect your credit score. There is no hard pull, no required monthly payments, and no new debt reported. Most homeowners qualify with a credit score of 500 or higher.

The original investment plus a share of your home's appreciation. If your home declines, you may owe less than the original amount. We'll walk you through your specific numbers in a personalized breakdown.

Yes, and we're upfront. A one-time NestBucks origination fee is deducted from your cash at closing, plus standard third-party costs for inspection, title, and closing. No ongoing fees. We'll show you the full breakdown before you sign.

Yes. When you introduce a homeowner and their equity unlock closes, you receive your referral commission at closing, paid from the proceeds released to the homeowner. The amount is agreed upfront.

You shift from listing and marketing to advising. Your value is educating the homeowner, helping them compare options, and getting them to a confident close without a listing.

No. A NestBucks HEI transaction isn't a traditional MLS sale, it's an equity unlock, so it doesn't record as a closed home sale. You still receive a commission at closing.

No. The home isn't listed for sale, so there's no staging, photography, or advertising cost. Your focus is helping the homeowner evaluate the option.

Typically 2 to 3 weeks, similar to a cash buyer doing due diligence.

No. There are no required monthly payments to NestBucks, so your client's out-of-pocket obligations don't rise and DTI stays neutral.

NestBucks caps the investment at $500,000 per home. If your client's equity is higher, they can still unlock up to the cap, and the rest stays as their equity until sale.

NestBucks Plus is a new kind of home equity agreement for homeowners ready to move on from their property who don't want to give up all their upside. You unlock up to 80% of your home's value in cash today (minus your mortgage), keep at least 20% ownership, and hand the property to us to manage as a rental — with a monthly rent payment to put toward your mortgage, taxes and HOA. It's not a loan: no monthly payments, no credit impact, and most homeowners don't need to show income. And unlike selling, you keep at least a 20% stake in your home's future.

Single-family homes, townhouses, and condos, as long as the home has no rental restrictions. We review this during eligibility, so don't rule yourself out — an HOA on its own is not a problem.

You'll need to plan to move out. NestBucks Plus works by having us manage your home as a rental once you unlock your equity, so it's built for homeowners ready to relocate, downsize, or move on. If the home is already a rental, the existing tenant and lease must meet our requirements.

A fixed-rate mortgage at or below 4%, with at least 5 years remaining. Adjustable-rate and interest-only loans aren't eligible. Above 4%? You may still qualify if your monthly payment is comparable to a 4% borrower — for example, if you made a large down payment, or you've paid down significant principal and could recast your loan to lower the payment. Reach out and we'll check.

The home must allow long-term rentals. If your community or governing rules prohibit renting, it won't qualify. We check this as part of eligibility.

NestBucks Plus is currently available in the Raleigh and Charlotte, NC areas. We're expanding, so tell us where your home is and we'll let you know as we open new areas.

Typically 2 to 3 weeks, similar to a cash buyer doing due diligence.

Recent mortgage statements, property tax records, homeowner's insurance information, and HOA or rental rules if they apply. Most homeowners do not need income documentation. We'll tell you exactly what's needed for your situation.

Yes. Title and your deed stay in your name for the full term. NestBucks Plus gives you cash and a monthly rent payment to put toward your mortgage, taxes and HOA while we lease and manage it, but you remain the legal owner and keep at least a 20% equity stake.

Yes. NestBucks Plus is for homeowners ready to move on — we manage the home as a rental during the term, so you can't stay and pay rent. If it's already an investment property, it can qualify with a conforming tenant and lease.

At the end of the 5-year term, yes — by buying back the agreement (see "Can I keep my home instead of selling?"). During the term, the home is managed as a rental and you can't re-occupy it.

There's a 5-year term, but you can end the agreement early if you need to. Early exits carry an additional termination fee and your bonus is prorated for the time elapsed. We'll walk you through what that looks like for your situation.

Up to 80% of your home's value, minus your current mortgage balance — capped at $500K. On a $500,000 home with a $300,000 mortgage, that's $100,000 in cash today (because $300,000 + $100,000 = $400,000, or 80% of the home's value). Owe less, and you can unlock more; owe more, and you unlock less. You always keep at least the remaining 20% as retained equity. Share your details and we'll send you your personalized numbers.

You get: cash upfront (up to 80% LTV), a monthly rent payment during the term to put toward your mortgage, taxes and HOA, at least 20% retained ownership, appreciation on that share, and a bonus of up to 40% of the appreciation on our share at sale. You give up: living in the home — you move out and let us manage it as a rental for the term. That's the trade: you move out and receive monthly rent while keeping a stake in the property's future.

Keeping at least 20% is the point, not a limitation. It's how you stay in your home's future — you collect at least 20% of whatever the home is worth at exit, plus a bonus on our share. Selling outright hands all of your future upside to a buyer. NestBucks Plus lets you take most of your cash now and still benefit if your home gains value.

Your at-least-20% share of the home stays yours at exit. If the home declines, your at-least-20% share moves down with it — the same as if you still fully owned the home — but the bonus simply becomes $0 and you never owe anything back. In the "mild decline" example (home falls to $450,000), you'd still walk away with $190,000 total: the $100,000 cash you already took, plus $90,000 at exit.

Yes. At the end of the 5-year term you can buy back the agreement and keep your home to live in or rent out. An independent appraiser values the home, and you pay NestBucks the amount our investor would have received from a sale at that value. Once you do, the agreement ends and the home is fully yours again.

You can ask to extend and continue — NestBucks keeps leasing and managing the home and paying you monthly rent to put toward your mortgage, taxes and HOA, and you keep your at-least-20% ownership. Extensions are by mutual agreement. Your final proceeds, including any bonus, are calculated when you eventually exit, based on the home's value at that time.

It stays in your name — you don't refinance, and you keep your low rate. During the term, NestBucks pays you monthly rent to put toward your mortgage, taxes and HOA. The loan stays in your name.

NestBucks does, through a licensed property manager. We handle tenant placement, rent collection, maintenance and property management, and pay you monthly rent to put toward your mortgage, taxes and HOA. You have no landlord responsibilities.

It's not a loan, so there are no monthly payments to us and no new debt reported. We may run a soft credit check that does not affect your credit score. There is no hard pull, and most homeowners qualify with a credit score of 500 or higher. We do record a lien on the property to secure the investment, the same as other home equity products.

Your mortgage stays in your name, and NestBucks pays you monthly rent during the term to put toward your mortgage, taxes and HOA. How a future lender treats it depends on that lender. If you're planning to apply for a new mortgage, talk to us and we'll walk you through it.

We manage your home as a rental after you unlock your equity — collecting rent, paying you monthly rent to put toward your mortgage, taxes and HOA, and sharing in the home's appreciation on our portion. Because you remain the legal owner, you also receive your retained equity and bonus when the home is eventually sold. Our return depends on the home doing well, which keeps our incentives aligned with yours.

Yes, and we're upfront about them. There's a one-time NestBucks origination fee, deducted from your cash at closing, plus standard third-party costs for inspection, title work, and closing. There are no ongoing fees or monthly payments from you during the term. You receive monthly rent to put toward your mortgage, taxes and HOA. We'll show you the full fee breakdown before you sign.

Yes. When you introduce a homeowner and their equity unlock closes, you receive your referral commission at closing, paid from the proceeds released to the homeowner. The amount is agreed upfront — you're compensated now, not years later when the home eventually sells.

You shift from listing and marketing to advising. Instead of attracting buyers, your value is educating the homeowner, helping them compare options, and getting them to a confident close — a faster, no-listing transaction where you stay their trusted advisor.

No. A NestBucks Plus transaction isn't a traditional MLS sale — it's an equity unlock, so it doesn't record as a closed home sale. You still receive a commission at closing.

No. The home isn't listed for sale, so there's no staging, photography, or advertising cost. Your focus is presenting NestBucks Plus as an alternative to selling and helping the homeowner evaluate it.

Typically 2–3 weeks — similar to a cash buyer doing due diligence.

The mortgage stays in your client's name, and NestBucks pays your client monthly rent during the term to put toward their mortgage, taxes and HOA. How a future lender treats it depends on that lender. If your client is planning to apply for a new mortgage, connect them with us.

NestBucks Plus caps the investment at $500K per home. If your client's equity is higher, they can still unlock up to $500K, and the rest stays as retained equity until sale.