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Invest Home Equity For

Diversified Wealth

Generational Planning

Financial Flexibility

Diversified Wealth

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Your Most Important Asset Could be Limiting Your Future Financial Upside

Many homeowners build wealth through their homes, but relying on home equity alone can mean missing out on other opportunities to grow your money.

For many homeowners, the returns on home equity many not align to their actual financial goals. With the majority of their wealth invested in the home they may be unable to participate in other investment opportunities that better align to their goals and strategy.

Swap Home Equity for a Diversified Investment Portfolio

With Wealthie, homeowners can swap a portion of their home equity for a portfolio of investments aligned to their financial goals, bringing home equity into modern financial planning.

No debt

No monthly payments

No refinancing

Turn Home Equity to Investable Assets

How Did Your Home Compare to the S&P 500 Stock Market Index?

Home equity my not keep pace with inflation or your other financial goals. For those seeking growth or dividend income, diversifying a portion of your home equity can help put you on the wealth building path you want. Wealthie enables you to diversify your portfolio to help reduce risk of home equity alone by investing a portfion of your home equity in a diversified, managed portfolio.

Year Home Purchased2000

Home Value in 2000

Current Home Value

You could have made

more if you had invested in the S&P 500*

* This comparison is hypothetical and for illustrative purposes only. S&P 500 returns reflect total return from June of the purchase year through June 2025. Home value inputs are user-provided. Past performance is not indicative of future results. Investing in the stock market involves risks such as market volatility, price fluctuations, and the potential for loss of principal. These risks differ from those associated with real estate or homeownership, which are influenced by factors like property values, local market conditions, and maintenance costs. Each type of investment carries its own risk profile and should be evaluated based on individual financial goals and circumstances. The S&P 500 Index is a widely used, unmanaged index that measures the performance of approximately 500 large-cap U.S. companies.

Align Your Money with Your Life Goals

Wealthie offers a way to put a portion of your home equity toward a managed investment portfolio, while you remain in your home and plan for what’s ahead.

You stay in your home.

You keep control of your future.

Your money works toward your goals.

Why Homeowners Choose Wealthie

No new debt

No monthly payments

No need to move

Diversify beyond real estate

Designed for long-term planning

Become a Wealthie client

Join Today

Become a Wealthie client

Join Today

Make Home Equity Work for You

Convert a Portion of Equity

Through a Wealth Investment Shared Equity (WISE) agreement, you access a portion of your home’s value.

No monthly payments
No refinancing
No selling your home
Long-term structure

Invest for Your Future

Your converted equity becomes an investment portfolio aligned to your goals.

This could support:

Retirement readiness
Long-term growth
Greater diversification
Financial flexibility

Wealthie helps put your plan into action.

Settle Later

Settlement happens in the future when you sell, refinance, or reach the end of the term.

You keep 100% of any investment gains
Wealthie shares in home appreciation
No disruption to your lifestyle

The WISE Decision: Put Home Equity to Work

Use Home Equity to Hit Your Financial Goals

A Wealth Investment Shared Equity (WISE) agreement enables homeowners to invest their home equity in safe, simple, and established assets such as a S&P 500 ETF or bond funds, turning idle equity into long-term growth opportunities.

Keep Ownership and Gain Flexibility

You can live in your home and invest at the same time! A WISE agreement lasts up to 30 years. There are no monthly payments and you can choose when to end the agreement by selling your home or repurchasing Wealthie’s share.

What Is the Wealthie Difference?

Traditional HELOC/HELOAN

Immediate Cash Needs

$10,000 to $750,000

0.5%-1% Origination Fees

Up to 14.99% Annual Fixed Cost

Monthly Payments

Traditional HELOC/HELOAN

Immediate Cash Needs

$10,000 to $750,000

0.5%-1% Origination Fees

Up to 14.99% Annual Fixed Cost

Monthly Payments

WISE
by Wealthie

Built for Wealth and Diversification

$15,000 to $750,000

Minimal Fixed Fees

Up to 12.99% Annual Cost Limit

No Monthly Payments

Join Today

WISE
by Wealthie

Built for Wealth and Diversification

$15,000 to $750,000

Minimal Fixed Fees

Up to 12.99% Annual Cost Limit

No Monthly Payments

Join Today

Comparable
HEI

Immediate Cash Needs

$15,000 to $600,000

0.5%-6% Origination Fees

Up to 20% Annual Cost Limit

No Monthly Payments

Comparable
HEI

Immediate Cash Needs

$15,000 to $600,000

0.5%-6% Origination Fees

Up to 20% Annual Cost Limit

No Monthly Payments

Frequently ask questions

What does Wealthie do?

Wealthie’s WISE agreement allows homeowners to convert home equity into a managed investment portfolio, , enabling them to diversify their wealth-building capabilities and maximize their return potential. The investment portfolio will be crafted according to your stated financial goals.

How does it work?

Wealthie provides homeowners with a funded investment account in exchange for a percentage share of their home’s future value, typically the price you sell your home. Unlike traditional financing, there are no monthly payments. You can repurchase your home equity at any time within your term without penalty for early termination. Put simply, Wealthie is entitled to a portion of your home’s appreciation when you sell, refinance, or reach the end of the term, and in exchange you receive other investments, which you select or accept as recommendations, in a Wealthie investment account.

What is the WISE agreement’s term length?

Your term length will either match the maturity date of your first lien mortgage or 20 years from origination, whichever is later, with a maximum of 30 years. When you are ready to repurchase your option, the repurchase amount will be calculated based on the agreed-upon percentage of your home’s future value.

What is the difference between a WISE agreement and a HELOAN or HELOC?

Wealthie allows homeowners to convert home equity by making investments in people’s homes. Unlike with a home equity loan, there are no monthly payments during the term. There are also no income or debt-to-income requirements, and Wealthie has no guaranteed return on the money invested. What you pay to settle the agreement with Wealthie depends on the agreed-upon home equity share and the value of the home at the time of settlement. WISE provides access to an investment account whereas HELOAN or HELOC is a secured fixed or variable rate loan.

Is it easy to sell my home if I have a WISE agreement?

Yes! Just notify us of your plan to sell. The sale price should be approximately the current market value and be an arm’s-length transaction. If the sales price is below Wealthie’s estimation of the home value additional review may be required.

Who owns my home under Wealthie’s agreement?

You do! Wealthie is not added to the title of your property. As the sole owner of the property, you control what happens to your home. You also continue to be responsible for all property taxes, insurance, and maintenance. Wealthie secures its agreement with a lien on your home, which will be subordinate to your existing mortgages.

What happens if I pass away?

If a homeowner passes away, Wealthie’s contract and associated investment account is assumable and continues with the co-owner or the estate. Death will not trigger an acceleration of the homeowner’s agreement or cause repayment to come due. The heir of the estate has the same term to pay Wealthie back as the original homeowner through a sale, refinance or another source of funds. Heirs will need to sign an assumption agreement to confirm their understanding of Wealthie’s contract and investment account terms.

Do you allow second homes or investment properties?

Yes, you can use Wealthie’s WISE agreement for a second home and investment properties. However, leases associated with the rental property cannot exceed the term of the agreement with Wealthie.

What if there is a mechanic’s lien against my property?

A mechanic's lien is a legal claim that ensures builders, contractors, and subcontractors receive payment for work or materials provided during the construction or renovation of a property. If you have a mechanic’s lien on your property, this will need to be satisfied prior to executing a WISE agreement, and evidenced by a lien release from the contractor or company that performed the work.

Do I need permission to remodel my home?

No, you can remodel your home and make improvements at your discretion and do not need permission from Wealthie., Wealthie supports home improvements that add value to your home. You maintain full ownership and control over your home, including all decisions about remodeling.