Access Your Property's Value Without Debt
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Check your pre-qualification in minutes with our simple online form.
About Us
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 Shared Appreciation Plan 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.
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.