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The affordable, flexible mortgage alternative

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

Welcome from Nerdwallet!

You’re almost there!

Initial Qualification
2
Complete Profile
3
Free Proposal
Continue to proposal
No minium credit score

Get a free proposal today

No minimum credit score
Takes 1 minute
538
Average customer credit score before Balance
$680,000
Get up to 85% of your home’s value
4.9
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

1

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.

2

Consolidate your debts to lower your payments

Get up to $600k 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.

3

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

Don’t just take our word for it

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.