Home Appreciation Agreements
A new path for homeowners and buyers to structure home equity deals together.
FractPath helps people negotiate Home Appreciation Agreements — flexible contracts tied to a home's future value, without a traditional loan.
What is an HEA?
A different model than traditional financing.
A Home Appreciation Agreement is tied to a home's future value — not a mortgage, HELOC, or second loan. The homeowner receives capital today; the buyer receives a defined share of future appreciation.
No interest
No compounding loan balance.
Flexible terms
Value sharing, timing, and exit are agreed upfront.
Shared future value
Settled through buyout, sale, refinance, or agreed exit.
| Feature | FractPath HEA | Mortgage refi | HELOC | 2nd mortgage | Reverse mortgage | Rent-to-own |
|---|---|---|---|---|---|---|
| Cash today | ✔ Yes | Yes | Yes | Yes | Yes | ✕ No |
| Monthly interest | ✔ No | Yes | Yes | Yes | Fees / interest | Varies |
| Owner stays in home | ✔ Yes | Yes | Yes | Yes | Yes | ✕ No |
| Buyer participates | ✔ Yes | ✕ No | ✕ No | ✕ No | ✕ No | Yes |
| Negotiated terms | ✔ Yes | – Limited | – Limited | – Limited | – Limited | Often |
| Path to ownership | ✔ Yes | ✕ No | ✕ No | ✕ No | ✕ No | Yes |
Comparison is for general education only. Terms vary. FractPath is not a lender and does not provide financial, legal, or investment advice.
A better path for homeowners and buyers.
FractPath helps homeowners and buyers explore options before a traditional sale or loan becomes the only path.
For Homeowners
Unlock flexibility without defaulting to a standard loan.
- Access value while staying in your home
- Avoid taking on a traditional loan
- Control timing, buyout, and exit terms
- Share privately or with verified buyers
For Buyers
Create a path before a full purchase is possible.
- Start earlier in a neighborhood you want
- Structure around real affordability
- Build a relationship with the owner
- Negotiate future purchase rights
Scenario Calculator
Model Your Scenario
Enter your details to see estimated equity scenarios. All outputs are for informational purposes only.
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Built for real deals, not just estimates.
FractPath guides the workflow from discovery to offer, negotiation, and closing support.
1. Discover verified properties
View verified properties or bring your own property into the workflow.
2. Model deal scenarios
Compare scenarios and understand estimated economics before moving forward.
3. Negotiate structured offers
Create, accept, reject, or counter offers with clear terms.
4. Track progress to execution
Move accepted terms toward documents, signatures, and licensed partner handoff.
Transparent by design.
FractPath is designed to make agreement terms easier to understand, document, and review.
Clear terms
Deal economics, timing, and exit assumptions are shown before users continue.
Manual review
Key property and deal steps can be reviewed before acceptance and execution.
Partner-supported
Closing, documentation, and servicing workflows are designed to work with qualified partners.
FractPath provides software and workflow tools. It is not a lender, mortgage broker, financial advisor, or legal advisor.
For Realtors
Realtors: bring clients another path forward.
Use FractPath to engage homeowners before they list and buyers before the right home comes to market. FractPath gives realtors a way to start structured equity conversations with clients who may not be ready for a traditional sale, purchase, or loan.
- Engage pre-list homeowners earlier
- Help buyers express serious interest in a target area
- Start soft-offer conversations around future purchase potential
- Receive product guidance and private consultation
FAQ
Common questions
Explore a new path forward.
Create a free account to view verified properties, upload your property, or continue a deal scenario.
Realtor? Request a consultation →