Home equity sharing is an innovative, debt-free way for homeowners to access funding in exchange for a portion of their home’s value.

Here’s how it works

We invest in your home

Noah provides up to $500,000 in upfront funding in exchange for a share in your home's value. The share that Noah requests depends on a variety of factors, including your requested funding amount, the value of your home, and your financial profile.

No monthly payments

There are no monthly payments throughout the entire term: up to 10 years. Unlike a loan, Noah’s offerings are investments, not debt, and do not increase your debt burden.

Use the funds however you choose

Invest in home renovation, home repairs, or restoring your cash cushion for everyday expenses. You get a home improvement credit for the major renovations you undertake during the term.

We share in your home value

At a time of your choosing, anytime up to the 10-year term, you buy out Noah’s investment by refinancing, selling, or using savings. We earn a return on our investment in your home based on the home’s appreciation or depreciation over time.

We’re partners, not owners

Noah offers a partnership-based approach: the value of Noah’s investment depends on the value of your home- whether it has gone up or down. The homeowner retains full ownership of the property. Noah does not co-own the home or have occupancy rights.

Noah’s financing process is as simple and stress-free as possible

1

Get your estimate

Within a few clicks, get instantly pre-qualified and learn how much funding you can access. It’s free and won’t affect your credit score.
2

Submit an application

Complete your online application and upload relevant documentation to help us get a better picture of your financial status. Don't worry if you don't have everything on hand; we'll work with you to figure out what you need.
3

Schedule your home appraisal

A third-party appraiser will inspect your home and provide an independent assessment of its current value. As previously stated, we use this value to determine the terms of your investment.
4

Sign documents and received your funds

Based on your application and the appraised value of your home, we’ll make a final investment offer. This will outline your funding amount and the percentage of your home's value you're agreeing to allocate to Noah. Once you sign final documents with a notary. Our average funding time is less than 30 days.
5

Buy us out anytime

When your term ends, you buy out Noah's investment. As your partner, we earn a return on investment if your home has increased in value. If it drops in value significantly, we share in the losses with you.