The files you can’t close — self-employed, thin docs, HELOC denied — we close them, and pay you $1,000 at funding.
Your declines are your easiest paydays.
When income won't document or the HELOC comes back denied, CHEIFS closes what traditional lending can't. It's a home equity investment agreement — not a loan — so your client converts equity to cash without new debt, new payments, or income hoops. You already did the work sourcing the client. Submit the referral and collect $1,000 when it funds.
- $1,000 per funded referral
- No income or DTI qualifying
- 680+ FICO — exceptions routine
- Funds in as fast as 15–25 days
- No monthly payments for your client
- No new debt on their credit profile
How it Works
CHEIFS gives homeowners flexibility: Cornerstone Financing purchases a portion of the home's future value, and the homeowner gets cash today with no monthly payments and no fixed term. For you, it's three steps: submit the referral form (homeowner consent included) → we handle everything — underwriting, disclosures, closing — and keep you informed → you're paid $1,000 when it funds. Investment payments range from $70K to $2M+.
The file that didn't die.
Picture the file: a self-employed homeowner, 60% equity, income that won’t document. The cash-out dies in underwriting, and most brokers archive it. Instead — a two-minute referral. CHEIFS funds in weeks, the client gets liquidity with zero new monthly payments, and the broker collects $1,000 on a file that was already dead.
That pile in your fallout report? It’s the easiest money in your pipeline. (Illustrative example.)
The experience your client gets:
This entire process was outstanding. Tyler and Colleen are excellent and prompt communicators — this was a smooth and awesome deal. I'm very impressed with them, and with Cornerstone!
Ready to sell CHEIFS yourself?
The referral program is the easy button. Prime HEI is the wholesale program: approved brokers offer CHEIFS directly to their clients, with investor-paid compensation, dedicated partner support, and the same 15–25 day funding timeline. Broker Fact Sheet and Selling Guide available through Prime HEI.
Latest Insights
