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Home Equity Agreement – Florida Lender

A Quick Snapshot of Your Home Equity Agreement Options

No Monthly Payments

Receive cash now in exchange for a share of future home value—no interest or monthly payments required.

Flexible Use of Funds

Use the money for home improvements, debt consolidation, investments, or personal financial needs.

Keep Your Existing Mortgage

Does not replace your current loan; this is an equity-based agreement that works alongside your mortgage.

No Income Requirements

Qualification is primarily based on home equity, not income or credit score—ideal for self-employed or retired homeowners.

Why Choose a Home Equity Agreement in Florida

A Home Equity Agreement offers homeowners an alternative way to access cash without taking on additional debt, monthly payments, or interest charges. Instead of borrowing money, you receive a lump sum upfront in exchange for a portion of your home’s future value when you sell or refinance.

This option is ideal for homeowners who want financial flexibility but prefer not to use traditional loans or HELOCs. Home Equity Agreements can be especially beneficial for retirees, self-employed individuals, or homeowners with strong equity but limited income documentation.

At Select Home Loans, we help Florida homeowners understand how equity-sharing works, compare it to traditional home equity options, and choose an agreement that aligns with long-term financial goals.

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Where are You Now?

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I’m ready now! I’ve found a home

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I’m looking for a home

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I’m just researching

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Why choose Select Home Loans?

  • Trusted mortgage experts across Florida.

  • Specialized in self-employed and alternative income home loans.

  • Quick pre-approvals and competitive low rates.

  • Decades of combined mortgage experience.

  • Dedicated loan officers guiding you every step of the way.

  • Streamlined, secure, and easy online application process.

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Transforming Your Financial Goals Into Reality

15

Average to Close

3500

People found their dream home with Select Home Loans

40

More savings than you would get with some of our competitors

Secure Your Home Equity Agreement Loan Today

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Hear What Our Clients Have To Say!

“While visiting my wife's parents who have lived in Florida for a number of years, my wife and I decided to look for a new home. After looking at several homes for sale, my wife and I found the home we wanted. We mentioned to our real estate agent that we would need to obtain a mortgage as it would probably be a year until we were ready to sell our home in New Jersey and he recommended that we contact Select Home Loans. That was the best advice we received. Although we were some 1,300 miles away, our David Shefsky at Select Home Loans walked us through each step requesting the necessary documentation he needed. Two months later, we had our mortgage. One year after that, we became permanent Florida residents and Select Home Loans helped us achieve our goal. Thank you”

Re S.Boca Raton, FL

“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been. Once again, thank you. It was a pleasure doing business with you and Select Home Loans.”

Isabel B & Gerald BWest Palm Beach, FL

“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”

Miriam L.Orlando, FL

“When I found a house I wanted to purchase, was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans and my experience working with my Mortgage Banker was excellent. He was professional, knowledgeable, and efficient, as was his office staff. Although I had the financial resources to pay for the house, my financial situation was unusual, and he was up to the challenge of working out a loan for me with a good interest rate. From start to finish, the process went smoothly and without any surprises. Any potential hitches were dealt with quickly and effectively; his manner was always pleasant and he made himself very available. No long waits for him to call back. I highly recommend Select Home Loans.”

Judy M.Boca Raton, FL