No Income Home Equity powered by Honest Casa
Zero income documentation Check My Equity

The home equity product with truly no income verification.

Here's the simple truth: every HELOC checks your income one way or another — it's a loan with a monthly bill, so the bank has to. What we offer is different. It's called Home Equity Appreciation: turn the equity you've already built into cash today, with no income documents of any kind and no monthly payment — because there's no monthly bill, there's nothing about your paycheck to verify. It's not a HELOC and it's not a reverse mortgage. Your home does the qualifying, not your income.

Not a HELOC, not a reverse mortgage — no interest bill, no monthly payment. Ever.
Zero income documents — no tax returns, no W-2s, not even bank statements
Credit scores as low as 500 accepted — your equity qualifies you, not your FICO
Zero income docsNothing to verify — truly
$0/monthNo payments for up to 30 years
Scores from 500 acceptedBad credit is not a dealbreaker
Equity qualifies youNot your paycheck
Your estimate is 60 seconds away 0%

How much cash do you need?

Drag the slider — notice this form never asks about your income. Check your rate as of .

$100,000

Delivered as one lump sum, no monthly payments

$15K$500K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

Your best guess is fine — equity is the entire qualification here.

ESTIMATED ACCESSIBLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the cash for?

This helps tailor your estimate.

What's the property address?

Start typing and select your address — we verify it instantly so your estimate is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your estimate?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your estimate.

First name is required
Last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your estimate and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

You've been matched. A licensed specialist will size your HEA estimate — and check whether any HELOC option beats it — and reach out with real numbers.

Requested amount$100,000
Estimated equity$150,000
Property—
What happens next: Watch your email and phone — a licensed specialist at West Capital Lending will reach out within one business day with your no-income-doc equity estimate. If a HELOC could actually work for your situation and beat it, he'll show you that too. No documents needed until you've seen the numbers.

Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, and underwriting.

From 500
Credit scores accepted — roughly 120 points below where most HELOCs stop
0 income docs
No tax returns, W-2s, pay stubs, or bank statements — ever
$0/month
No payments for up to 30 years — settled from your home's value
Up to $500K
Lump sum sized by your equity, not your paycheck or your score

Why every HELOC checks income — and this doesn't

Understanding this one distinction will save you weeks of applications that were never going to work.

Why "no income verification HELOC" doesn't exist

  • A HELOC is a loan with monthly payments — lenders must assess your ability to repay them
  • "No-doc" HELOC marketing means lighter docs: bank statements or asset statements instead of tax returns — your income still gets verified, just differently
  • If your deposits, assets, or credit don't clear the bar, the answer is a denial — after the paperwork, not before
  • Every month you spend applying is a month of 22–29% card interest, missed opportunities, or drained savings

Why an HEA needs nothing from your income

  • An HEA isn't a loan — it's an investment in your home's future value. You make no payments, so there's no repayment ability to verify
  • Qualification = your equity and your property. Lump sums up to $500K, sized from what your home is worth minus what you owe
  • The honest cost: the provider receives a share of your home's change in value when you settle — by sale, refinance, or buyout, up to 30 years out
  • You stay the owner, you stay in the home, and you can buy out the agreement early without penalty

Cash without income docs, in 3 steps

The process is short precisely because of what's missing: no income file to build, no DTI to calculate, no payments to underwrite.

01

Share your equity picture

Sixty seconds: home value, mortgage balance, credit range. No SSN, no income fields — there's nothing about your paycheck to collect.

~60 seconds
02

Your equity gets priced

The HEA program sizes a lump-sum offer from your home and equity — up to $500K. Your specialist also sanity-checks it against HELOC options, in case you'd qualify for something cheaper.

1 business day
03

Take your lump sum

Close, receive your cash, and make no payments — for up to 30 years. The agreement settles from your home's value when you sell, refinance, or choose to buy it out.

$0/month after

Why no-income homeowners use an HEA, not a HELOC

No payments = nothing to verify

Lenders verify income because the law requires proof you can afford payments. An HEA has no payments — so there's genuinely nothing to document. It's not a loophole; it's a structurally different product.

Built for real situations

Retired on assets, self-employed with heavy write-offs, between jobs, recently divorced or widowed, living on rental or investment income — the homeowners banks call 'unverifiable' are exactly who HEAs exist for.

Credit isn't the gatekeeper either

HELOCs generally want 620–640 minimum — a hard floor that ends the conversation. Our HEA program accepts credit scores as low as 500, because it's underwriting your home, not your history. Late payments, high utilization, past charge-offs: none of them erase your equity.

Both products, on your side of the table

We also offer HELOCs. If your situation could actually document income and a HELOC would be cheaper, we'll say so — the recommendation follows your numbers, not the product.

HEA · no income docs vs. every flavor of HELOC

"No income verification HELOC" is a search term, not a product. Here's what actually exists.

HEA · not a loanTRULY NO INCOME DOCSBank-statement HELOCTraditional HELOC
Income documentation None — at all 12–24 mo bank statements Tax returns + W-2s
Income verified somehow? No — no payments to afford Yes — deposits analyzed Yes — fully
Monthly payment $0, up to 30 years Interest, monthly Interest, monthly
DTI limits None Yes Yes
Minimum credit score As low as 500 ~640+ ~680+
Maximum amount Up to $500K Up to $750K Varies
Cost structure Share of home's future value Interest rate Interest rate
You keep 100% of appreciation No — the share is the cost Yes Yes
Settle early without penalty Yes — buy out anytime Usually Usually

Frequently asked questions

Can I really get cash from my home with no income verification?
Yes — through a home equity agreement (HEA), and genuinely not through a HELOC. An HEA provides a lump sum (up to $500,000) qualified on your equity and property alone: no tax returns, no W-2s, no pay stubs, no bank statements, no employment calls. That's possible because an HEA has no monthly payments — there's no repayment ability to verify. Any 'HELOC' promising no income verification is actually verifying it another way, usually through your bank deposits.
Why can't a HELOC skip income verification?
Because a HELOC is a loan with monthly payments, and lenders are required to assess your ability to make them. Even the most flexible 'no-doc' HELOCs analyze bank-statement deposits or assets as income. The only way to truly remove income from the equation is to remove the payments — which is exactly what an HEA does.
What's the catch with an HEA?
The cost structure: instead of interest, the HEA provider receives a share of your home's change in value when you settle. If your home appreciates strongly, that share can exceed what HELOC interest would have cost; if it appreciates modestly, an HEA can cost less. What you're buying is certainty of a different kind — $0/month and no income hurdles today, with the cost coming out of your home's future value instead of your monthly budget.
Do I make any payments at all?
No. No monthly payments, no accruing bill — nothing due until settlement, which happens when you sell, refinance, or choose to buy out the agreement, up to 30 years out. There's no prepayment penalty for settling early.
What credit score do I need?
Credit scores as low as 500 are accepted — that's roughly 120–140 points below where most HELOC lenders stop the conversation. Your score can affect the terms you're offered, but it isn't the gatekeeper it is with loans, because the qualification is your home and equity, not your borrowing history.
I have bad credit — late payments, collections, maxed cards. Can I really qualify?
In most cases, yes. Recent late payments, high utilization, collections, and past credit events that would sink a HELOC application don't erase your equity — and equity is what qualifies you here. Scores from 500 up are accepted. If your credit history is complicated, that's not a reason to skip the form; it's the reason this product exists. (Severe recent events like an active foreclosure are reviewed case-by-case.)
How much cash can I get?
Lump sums up to $500,000, sized from your equity — typically you'll need meaningful equity beyond your mortgage balance. The form above runs the estimate math instantly, and your specialist confirms the program's actual number for your property.
Who is this for?
The homeowners traditional lending fails: retirees living on assets or Social Security, self-employed owners whose write-offs erase their taxable income, people between jobs or recently divorced/widowed, landlords with paper losses, and anyone whose credit dipped below HELOC minimums. If you have equity but can't produce a lender-friendly income file, this is the product designed for you.
Is it a loan? Do I still own my home?
It's not a loan — no interest rate, no monthly payment, and it doesn't add a debt payment to your DTI. You remain the owner and occupant. Like a mortgage, the agreement is secured by a lien on the property, and it's settled from the home's value when you exit.
What if I could actually document income — should I still do an HEA?
Maybe not — and we'll tell you. We offer HELOCs too (including bank-statement programs for the self-employed), and if your deposits and credit would qualify you, a HELOC is often cheaper in an appreciating market. Every estimate we send includes that sanity check, because the right answer is whichever fits your numbers.
Who's behind this site?
This site is operated by the team at Honest Casa (NMLS #1566096, Equal Housing Lender, Irvine, CA) — offering home equity agreements through a leading HEA provider we partner with, alongside HELOC options across a 90+ lender network. We may receive compensation from the provider or lenders, which is disclosed here. Verify licensing at NMLS Consumer Access.

Your equity qualifies. Your income and credit score don't have to.

Get your no-income-doc estimate in one business day — no SSN, no documents, no payments.

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