Access Equity, Maximize Wealth
Converting Home Equity Into Financial Success
$950,000
$350,000
$10,000,000
$200,000
$0
$950,000
$10,000,000
$400,000
$10,000,000
Receive approximately $10,000,000 in
exchange for up to 45% of your
home’s
future value, subject to an Annualized Cost Cap Percentage of 12.99% - 14.99% of the investment amount.
Unfortunately, based on your current home value
and mortgage balance, the amount of home equity is below the minimum
amount required for a CHEIFS
How CHEIFS Work: Payoff Examples
Claim Year
Home Value
Cornerstone Home Investment %
CHEIFS Payoff Amount
Annualized Payoff Cost %
The Cornerstone Home Investment % never exceeds the Maximum Cornerstone Home Investment %
*Assumes 3% annual home appreciation
*Assumes 3% annual home appreciation
- The home value shown in the calculator is your estimate. The actual value will be determined by a licensed appraiser at origination.
- An origination fee of 1.5% - 2.99% of the investment amount plus closing costs apply. May be deducted from the investment amount or paid separately.
The figures displayed are for illustration purposes only. Actual amounts and terms may vary based on underwriting and other conditions.
For personalized information or specific questions, please contact a Cornerstone Relationship Manager.
How CHEIFS Compares
Investment Payment
Repayment Term
Origination Fee
Annualized Cost Limit
Monthly Payments
Pre-Payment Penalties
Income Requirements
Minimum Credit Score
$ 70,000
- $ 2MM
No Term
1.5% - 2.99%
12.99% - 14.99%
None
None
None
680
Hometap
$15,000
- $600,000
10 years
3.50%
20%
None
None
None
500
Unlock
$30,000
- $500,000
10 years
4.90%
19.9%
None
None
Yes, if
credit score is under 550
500
Point
$25,000
- $500,000
30 years
3.90%
19%
None
None
None
500
Unison
$30,000
- $500,000
30 years
3.90%
17%
None
None
None
500
Splitero
$50,000
- $500,000
10 - 30 years
4.99%
19.99%
None
None
None
500
For illustration purposes only. Comparisons to HEI products offered by competitors are from
publicly available terms published on competitor’s websites as of January 2025 and are subject
to change.
CHEIFS vs Traditional Financing Options
Equity-Based/Non-Debt Product
No Monthly Payments
No Income Requirements
No Minimum Age (18+)
No Fixed Repayment Term (e.g. 30 years)
Reverse Mortgage
Home Equity Loan
HELOC
Cash-Out Refinance
Personal Loan
For illustration only. Information for debt financing options are based on commonly-offered loan
products and terms