01
HomeownerShare the upside. Shed the debt.
Agree to share up to 49% of your home's future appreciation. You stay, you keep majority ownership, and you make zero new monthly payments.
Invest in the Spare Key
Your home is appreciating.Let it pay your mortgage.
Share a portion of your home's future appreciation. Investors pay down your mortgage in exchange. No refinancing. No new debt. No moving.
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The Problem
Your home is yourlargest asset.It shouldn't be yourbiggest trap.
Your home grew in value. Every option to access that equity — refinancing, HELOCs, selling — adds debt, costs your rate, or forces you to move. There has never been a better way. Until now.
Sample Property
Richmond, VAThe Hartwell Estate
Estimated Home Value
$1,240,000
Investor stake · up to 49%You retain 51%+
Mortgage paydown · no new debt
$0
Applied directly to your outstanding mortgage balance.
HELOC · Refinance · Reverse mortgage
+ DebtEquiage equity agreement
− Mortgage$35T
In locked U.S. home equity
70%
Of household wealth in one illiquid asset
0
Debt-free ways to access it. Until now.
How It Works
Both sides win when the home goes up.
02
The ExchangeInvestor capital pays your mortgage.
That capital goes directly to your mortgage balance. Your debt shrinks — no refinancing, no new rates, no new loan.
03
InvestorOwn the appreciation. Not the headaches.
Hold a contractual stake in the home's appreciation. When the home goes up, so does your return — no tenants, no management, no landlord work.
0%
Maximum appreciation share. You keep the rest.
$0
New monthly payments. It is not a loan.
0%
Of homeowners keep full title and occupancy.
$0T
In U.S. home equity. Now with a way out.
Early Access
We're building something that has never existed. Be part of it.
Equiage Waitlistv1.0
How would you like to participate?
Choose your track. Both take under sixty seconds.