A HELOC isn't the only way to put your equity to work.

Your home's value is real — and there are two strong alternatives built specifically for homeowners in your situation. No traditional credit approval required for either.

Two paths — tap either to explore

Loan Modification

Having trouble keeping up with your mortgage payments? A loan modification may adjust the terms of your existing mortgage—such as your interest rate, monthly payment, or loan term—to help make payments more manageable.

Cash Purchase Offer

Sell for cash and walk away with equity

No credit check
Close in 7–14 days
As-is condition

Pros

No credit check required
Close in as few as 7 days
Sell as-is, no repairs needed
Walk away with your full equity

Cons

You must move out of your home
Offer may be below full market value
Subject to property inspection
Less control over timeline and terms

Cash offer

YOUR POSITION

The average homeowner holds $310,000+ in equity right now. Both options above let you access yours — on different terms.