Micro Home Equity Investment (MHEI) | Access Your Property's Value Without Debt

Access Your Property's Value Without Debt

Shared Appreciation Plan (SAP)

Access a portion of your home’s value through a Shared Appreciation Plan (SAP). Not a loan or mortgage—no monthly payments or interest. Eligibility and approval required.

Ready to Get Started?

Check your pre-qualification in minutes with our simple online form.

Check My Eligibility

Transparent, equity-based homeowner option. Not a loan. No monthly payments or interest. Eligibility and approval required.

About Us

At HomeCapShare, we believe homeowners deserve more options when it comes to accessing the value of their property—without taking on debt.

We specialize in Shared Appreciation Plans, offering upfront capital in exchange for a modest share in your home's future appreciation. This innovative approach empowers homeowners to access funds for what matters most—whether it's debt consolidation, home improvements, education, or financial breathing room—while retaining 100% ownership and control of their home.

Our model is not a loan, not a mortgage, and comes with no monthly payments or interest. Instead, it's a flexible, transparent partnership built on shared success.

With a deep understanding of real estate, finance, and risk management, the HomeCapShare team is committed to creating an equitable financial solution that supports American homeowners.

Important Notice: HomeCapShare provides micro home equity investment solutions. We are not a bank, lender, or financial institution. This is not a loan, mortgage, or credit service. All offers are subject to homeowner eligibility and approval.

Your home. Your value. Your future. We're here to help you access it.

What Is a Shared Appreciation Plan (SAP)?

A new financial solution allowing homeowners to access home value without additional debt or monthly payments.

Receive Upfront Payment

Receive an upfront amount based on your home's equity and eligibility.

Keep Full Ownership

You retain full ownership of the home and remain responsible for taxes, insurance, and mortgage payments as usual.

Share Future Appreciation

We receive a fair share of your home's appreciation when you sell, refinance, or end the plan.

No Monthly Payments

There are zero monthly payments or interest. Pay off when convenient within the 10-year term.

How It Works

Our model is not a loan or mortgage—it carries no monthly payments or interest. It's a flexible, transparent plan built on shared appreciation and aligned outcomes.

We Review Property Information

Our team reviews your property information and pre-qualification details to ensure everything meets our criteria.

Documents Prepared & Sent

We prepare all necessary documents and send them to you for review and electronic signing.

Documents Recorded

We record the completed documents with the county to establish the agreement.

Funds Sent to Your Bank

After approval and document completion, funds are transferred to your bank via ACH.

Our Mission

Mission Statement

To empower homeowners by providing accessible, debt-free support through our Shared Appreciation Plan model— letting you tap the future value of your home without monthly payments, interest, or added risk.

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