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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 may not align with 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 with their goals and strategies.

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 with 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 might 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 the risk of relying solely on home equity by investing a portion 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 gain access to 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 with your goals.

This could support:

Retirement readiness
Long-term growth
Greater diversification
Financial flexibility

Wealthie helps you put your plan into action.

Settle Later

WISE agreements settle 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 Help Reach Your Financial Goals

A Wealth Investment Shared Equity (WISE) agreement enables homeowners to invest a portion of their home equity in safe, simple, and established assets such as an 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 by 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 Asked 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 strategies and maximize their return potential. The investment portfolio will be crafted according to your stated financial goals and risk tolerance.

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 realized when they sell their home. Unlike traditional options such as Home Equity Lines of Credit (HELOCs) or mortgages, 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. In exchange, you receive other investments according to your stated financial goals and risk tolerance, such as an S&P 500 ETF, in an investment account managed by Wealthie Advisors or your existing advisor.

What is the WISE agreement’s term length?

A WISE agreement carries a term length of 30 years. You may repurchase your option at any time. When you are ready to repurchase your option, the repurchase amount will be calculated based on the agreed-upon percentage of your home’s value at the time of repurchase.

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

Wealthie allows homeowners to swap home equity for a professionally managed investment account comprised of a portfolio of securities, such as ETFs, tailored to their stated investment goals and risk tolerance. A WISE agreement does not provide an immediate cash payment like a mortgage or HELOC. Unlike a home equity loan or mortgage, 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.

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 approximate the current market value and be an arm’s-length transaction. If the sale 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 your 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 WISE agreement and the associated investment account are assumable and continue with the co-owner or the estate. Death will not trigger an acceleration of the homeowner’s WISE agreement or cause repayment to become due. An heir to the estate has the same term to repay Wealthie as the original homeowner through a sale, a refinance, or another source of funds. The heir will need to sign an assumption agreement to confirm their understanding of Wealthie’s WISE agreement and investment account terms.

Do you allow second homes or investment properties?

Yes, you can use Wealthie’s WISE agreement for second homes and investment properties. However, the leases on those properties 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, it must be satisfied prior to executing a WISE agreement, and must be evidenced by a lien release from the contractor or company that performed the work.

What happens if the market declines?

If the value of your home declines, the amount you may owe Wealthie to terminate the WISE agreement may also decline, as the settlement price is dependent on your home’s value at termination. If the stock market declines, the investment account may also lose value. However, the number of shares of each security in your portfolio will not decrease due to a market decline, and you are under no obligation to sell them at the time of termination. All investments, whether in real estate or the stock market, involve risk, including the potential loss of value, and those risks can differ across asset classes.

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.