ProjectFundingIQ
Become a Partner (opens the HomeWealthIQ partner experience)

Funding conversations for home improvement

Your customerwants the project.Another monthly paymentis holding them back.

When traditional financing doesn't fit, a Home Equity Agreement may give an eligible homeowner another option to explore — and give contractors another opportunity to move the project forward.

Become a Partner (opens the HomeWealthIQ partner experience)Learn How an HEA Works

You’ll continue to the HomeWealthIQ partner experience.

Built for contractors working on real homes and real projects.

  • Solar
  • Roofing
  • ADUs
  • Remodeling
  • HVAC
  • Electrical
A contractor reviewing residential floor plans during a project conversation

Project status

Customer wants the project

Funding conversation stalled

Another option to explore
Solar & batteryRoofingADUs & additionsKitchen & bathHVACElectricalWindows & doorsRemodelingOutdoor improvementsGeneral contracting

Why projects stall

You did everything right. Then the funding conversation stopped the project.

  • You prepared the estimate.
  • Answered the questions.
  • Earned the homeowner's trust.
  • Planned the project.

Then the customer says:

“I don't want another monthly payment.”

  1. 1Lead
  2. 2Estimate
  3. 3Site Visit
  4. 4Proposal
  5. 5Customer Says Yes
  6. 6Funding
  7. 7Project Stalls

That doesn’t always have to be the end of the conversation.

Built for home improvement

One funding conversation. Many kinds of projects.

ProjectFundingIQ is designed for professionals improving residential properties.
An installer carrying a solar panel onto a residential tile roof

Solar & Battery

01
Two roofers measuring a residential shingle roof

Roofing

02
A room under construction, with a tradesperson preparing an unfinished wall

ADUs & Additions

03
A bright residential kitchen with white cabinets and a wood island

Kitchen & Bath

04
Outdoor air-conditioning condensers installed beside a home

HVAC

05
An electrician working at a residential electrical panel

Electrical

06
A tradesperson fitting a residential window in natural light

Windows & Doors

07
A residential backyard with a pool, garden, and a newer wing of the home

Outdoor Improvements

08

Examples are illustrative. Eligible uses and qualification requirements depend on the applicable funding provider and program terms.

HEA 101

So, what exactly is a Home Equity Agreement?

A Home Equity Agreement is an alternative way for an eligible homeowner to access a portion of the equity in their property without taking out a traditional loan.
Understand HEAs
  1. 01

    Home equity

    The homeowner has equity in the property.

  2. 02

    Funds

    An eligible homeowner may receive funds upfront.

  3. 03

    No required monthly loan payment

    Unlike a traditional loan, the agreement generally does not require monthly loan payments during the applicable investment period.

  4. 04

    Settlement

    The agreement is settled later according to the provider’s contractual terms.

Different tools solve different problems.

HEA

Home Equity Agreement

Structure
Equity-based agreement
Monthly payment
Generally no required monthly loan payment during the applicable term
Interest
No traditional loan interest rate. The cost is defined by the agreement.
Home equity involvement
Tied to the home’s value. A lien or similar interest may apply, depending on the provider.
Repayment / settlement
Settled later according to the provider agreement
Qualification
Provider-specific. Not qualifying for another product does not determine HEA eligibility.

HELOC

Home equity line of credit

Structure
Revolving credit line secured by the home
Monthly payment
Yes
Interest
Yes
Home equity involvement
Secured by home equity
Repayment / settlement
Loan repayment
Qualification
Credit, income, equity, and lender requirements

Home improvement loan

Traditional loan

Structure
Debt
Monthly payment
Yes
Interest
Yes
Home equity involvement
May be secured or unsecured, depending on the lender and product
Repayment / settlement
Regular repayment schedule
Qualification
Lender requirements

An HEA isn't automatically better. It's simply another option worth understanding.

This is a general comparison for education. Actual structure, cost, and eligibility depend on the provider and the agreement.

For contractors

You introduce the option. The provider handles the funding conversation.

  1. 01

    Join the partner program

    Learn about the program and available partner resources.

  2. 02

    Introduce the option

    Share the approved information with homeowners interested in exploring an alternative funding route.

  3. 03

    Provider takes over

    The funding provider handles qualification, application, disclosures, contractual information, and funding decisions.

  4. 04

    Get back to the project

    If the homeowner chooses to proceed and receives funding, you continue doing what you do best: completing the project.

Explore the Contractor Program

The opportunity already in your pipeline

Think about the estimates sitting in your CRM right now.

Estimate

Open

$28,000

Roof replacement

Customer wanted the project.

Funding stalled.

Estimate

Open

$85,000

ADU project

Project postponed.

Monthly payment didn’t fit.

Estimate

Open

$42,000

Solar + battery

Customer interested.

Financing conversation stopped.

Illustrative examples, not actual customer records.

Some stalled projects may simply be worth another funding conversation.

ProjectFundingIQ helps contractors understand another option they can introduce when appropriate — without turning the contractor into the funding expert.

Learn How to Start the Conversation

Another option for the funding conversation.

  1. Revisit stalled estimates

    Yesterday’s “not right now” may be worth another conversation.

  2. Give customers another path

    Not every homeowner wants to add another monthly loan payment.

  3. Keep your role simple

    Introduce the option. Let the funding provider explain qualification and contractual terms.

Learn at your own pace

You don’t need to become a funding expert to start a helpful conversation.

Neil Okun, partner contact for contractors exploring the program

Partner contact

Neil Okun

Partner contact for contractors exploring the program.

Questions before you join?

Meet Neil Okun

Neil works with contractors and home improvement professionals exploring the HomeWealthIQ partner program and can help answer questions about the partner process.

Talk With Neil (opens Neil’s calendar)

You’ll open Neil’s calendar to schedule a 30-minute call.

Another option to exploreKeep the project moving

Give your customers another funding option to explore.

Join the partner program and learn how Home Equity Agreements may fit into your customer conversations.

Become a Partner (opens the HomeWealthIQ partner experience)

You’ll continue to the HomeWealthIQ partner experience.