👋 Hello Balance.

Access your home equity to get the cash you need to pay off your mortgage and other debt.

Low Credit? No Problem.

No minimum credit score
Takes 1 minute
Most single-family homes qualify
Average customer credit score before Balance
Get up to 85% of your home’s value
Average customer rating on Google Reviews

Simplify your finances

Break the debt cycle and get back on track.

Pay off your debt

Use your existing home equity to eliminate high-interest debt and monthly payments.

Lower your payments

Payments up to 30% lower compared with current monthly mortgage and debt payments.

Flexibility, built-in

Life happens. Get access to an emergency reserve to cover unexpected expenses.

Rebuild Your Credit

With their debt paid off, many of our co-owners see their credit scores immediately increase.

Most single-family homes qualify

No minimum credit score, takes 1 minute

How Balance works


We invest in your home, you stay in control

Balance replaces your mortgage and joins you as a silent co-owner. Providing cash today for a share of your home’s appreciation. You remain an owner living in the home, all while staying in control.


Consolidate your debt to lower your payments

Get up to $680k to pay off your mortgage and other debts. You’ll make a monthly payment to Balance that also includes your share of taxes, insurance and HOA fees. As a Co-Owner, Balance also pays our share of these expenses each month.


Rebuild your credit and go back to a traditional mortgage

Get your finances back on track and improve your credit score. With no minimum term, you have the flexibility to repurchase your equity when you're ready to refinance into a traditional mortgage. Or choose to sell your home and keep your share of the proceeds.

Get your free proposal today

Takes 1 minute・No minimum credit score

Co-Owners love Balance

4.9 rating on Google Reviews

“Balance Homes was amazing to work with. Their team walked us through the entire process and was always available to help us with any questions we had. Everything was up front, with no hidden agenda. I look forward to continuing to work with Balance Homes!”

Nicole H.

“Balance helped me and my family at a time when no one else could. I appreciate their willingness to help me  to achieve my goals. Thank you for your passion  and dedication.”

Nilsa M.

“Awesome. Balance arrived in my life at a time when I needed them most. Balance provided me with a product that gave me the flexibility I needed to get back on my feet and move my life in a positive direction. The staff understood my situation, remained patient throughout the entire application and approval process, and help me feel comfortable about every step of this new beginning. Thank you, Balance!”

James R.

“What a great team. They all worked together excellently. Any questions I had during the process was great and they explained everything. I do recommend them to be the help you need.”

Kamie M.

“Everyone I have talked to at Balance is always so supportive and friendly… They really want to help you make the whole experience a positive one. They were able to help me keep my home and get back on financial track.”

Julie T.

"I have had one of the most supportive, pleasant and superb communications with Balance Homes. The team reminded me that we were on the same page, had my goals as the ultimate focus and I felt the human interactions every time. I never felt pressured, nervous or unsure. Any questions I had were promptly answered and the team never made me feel insecure or silly anything I wanted clarification on."

Christina P.

Balance vs. Refinancing

It shouldn't be so tough to access the equity you've built in your home. With Balance, it isn’t.

Removes mortgage debt
Skip monthly cash payments
Yes, if Emergency Reserves are available
Get cash out at closing
Qualify with low credit
Qualify with missed mortgage payments
Time to close
As few as 21 days
45–60 days
Requires cash at close

Frequently Asked Questions

How can Balance offer a low cost alternative to a mortgage?

Balance invests in your home in exchange for a portion of your home equity. As a co-owner, Balance shares in the costs, appreciation and depreciation of your home. Sharing in your future home appreciation allows Balance to offer attractive terms with low monthly payments and flexible qualifying criteria.

How long will Balance be a co-owner?

We’ve tried to make Balance as flexible as possible for our co-owners, so there is no minimum term. Balance currently offers a 7 year maximum term and will typically be repaid whenever you decide to buy Balance out and move to a traditional mortgage or sell the home entirely.

Are there any closing costs associated with a Balance Co-Investment?

Similar to a mortgage and other home equity products, Balance charges a service fee and you are responsible for paying the closing costs. You have the option to pay all of the closing costs with a portion of your home equity, so Balance’s customers typically pay $0 at closing. In fact, customers are also able to sell additional equity to Balance at closing and receive additional cash at closing to pay off other debts. Your closing costs, including any cash outs you elect to receive, will be summarized in a Balance proposal.

Can I repurchase Balance's shares in my house?

Yes! When you enter an agreement with Balance, we'll set a starting price for your home and adjust it up or down every three months based on the Federal Housing Finance Agency's home price index for your metro area. This means any appreciation in your home’s value above this index will be yours to keep! At any time, you can buyback all, or a portion, of Balance’s interests in your home at this price.

How am I protected from losing my home with Balance?

Balance is a co-investor in your home equity, so our goal is to keep you in your home. Any adverse situation is costly and stressful for all parties and we’ve structured Balance to avoid them by being flexible about how much of your home you own. If you cannot afford to pay your minimum monthly payments and have exhausted your ability to pay with equity, we will make every effort to accommodate any alternative financing options. A sale of the residence, where you share in the proceeds accordingly, is a last resort option.

What are the costs associated with the Co-Ownership Program?

Our pricing is fair and transparent: Balance charges a one-time shared ownership entry fee of 2.5% of your home value to co-invest in your home and pay off your mortgage and any other eligible debts. Homeowners have the option to save their cash and pay this one-time fee using their home equity, so a homeowner can partner with Balance without paying any cash to Balance at closing.

You’ll pay a fixed monthly fee to Balance, based upon the percentage of the home co-owned with Balance. You have the option to increase your ownership percentage at any time, by buying back equity, which would help to lower your monthly fee. When you choose to end your co-ownership relationship with Balance, the final amount due is based on the starting value of the home, adjusted for any changes in your local market. As the value of your home changes, Balance’s buy-out amount is adjusted accordingly to reflect the gain or loss of our investment.