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 1.99% or 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
Term
Origination Fee
Annualized Cost Limit
Monthly Payments
Pre-Payment Penalties
Income Requirements
Minimum Credit Score
Renovation Adjustment
Max CLTV
$ 70,000
- $ 2MM
No scheduled end date - on your terms*
1.99%** or 2.99%
12.99% or 14.99% annually
None
None
None
680
Yes – no value restrictions
50% or 65%
Hometap
$15,000
- $600,000
10 years
4.5%, up to $20,000
18.5% compounds monthly
None
None
None
585
Yes (over $25,000 in work)
75%
Unlock
$30,000
- $500,000
10 years
4.90%
19.99% effective annual
None
None
Yes, if
credit score is under 550
500
Yes (over $10,000 in value)
70%
Point
$30,000
- 600,000
30 years
3.90%
18.4% - 20.2% effective annual
None
None
None
500
No
Not published
Unison
$30,000
- $500,000
30 years
3.90%
20% compounds monthly
None
None
Docs + .65 max DTI. Waived if LTV and credit sufficient
620 primary/680 investment
Yes, after 3 years
70% primary / 65% investment
Splitero
$50,000
- $500,000
10 yrs or remaining first lien term
4.99%
17.99% compounds monthly
None
None
None
500 - 580+
No
75%
For illustration purposes only. Comparisons to HEI products offered by competitors are from publicly available terms published on competitor's websites as of July, 2026 and are subject to change.
* Homeowner responsibilities include maintaining Homeowners Insurance, property taxes, upkeep and to retain use as applied for (Primary or 2nd home - not rented for more than 90 calendar days per year).
** Financial Advisor referral channel only.
* Homeowner responsibilities include maintaining Homeowners Insurance, property taxes, upkeep and to retain use as applied for (Primary or 2nd home - not rented for more than 90 calendar days per year).
** Financial Advisor referral channel only.
CHEIFS vs Traditional Financing Options
Equity-Based
(Non-Debt; Paid at Settlement)
(Non-Debt; Paid at Settlement)
No Monthly Payments*
No Income Requirements
No Minimum Age (18+)
No Fixed Repayment Term
(in years)
(in 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