# Afford Equity

> Afford Equity helps homeowners access their home equity through Sale-Buy-Back Agreements — real estate transactions, not loans — without credit checks, income verification, or monthly payments.

## About
Afford Equity is a residential sale-leaseback company operating in 16 U.S. states. We provide Sale-Buy-Back Agreements that allow homeowners to sell their property, receive a lump-sum cash payout from their equity, and retain the contractual right to repurchase the property within an agreed-upon timeframe. The homeowner continues living in the home through a lease-back arrangement.

This is NOT a loan. There are no interest charges, no credit checks, no income verification, and no monthly debt payments.

## Key Facts
- 300+ transactions completed in 18 months
- $0 loss of equity to date
- Average transaction: ~$135,000
- Average LTV: <50%
- 20% of clients repay in under 12 months
- Closings in 21-45 days
- Funding range: $50,000 - $750,000+

## How It Works
1. Apply online (2 minutes) — provide property address and basic information
2. Get a free estimate — we evaluate your home equity and provide a quote
3. Review your agreement — transparent terms with your right to repurchase
4. Close and receive funds — typically in 21-45 days
5. Continue living in your home — standard lease-back arrangement
6. Repurchase when ready — exercise your buy-back option at any time

## Who We Serve
- Homeowners denied HELOCs or refinancing due to credit, income, or DTI issues
- Self-employed homeowners who cannot document income traditionally
- Homeowners behind on mortgage payments (pre-foreclosure, NOD stage)
- Homeowners who inherited property and need to access equity
- Homeowners seeking to consolidate and eliminate high-interest debt
- Business owners needing capital without SBA loans or merchant cash advances
- Homeowners funding major life events (education, medical, family)
- Homeowners funding home improvements to increase property value
- Mortgage brokers seeking referral partnerships for denied clients

## Use Cases
- **Debt Consolidation**: Use home equity to pay off credit cards, medical bills, personal loans, and tax debt — eliminating monthly payments
- **Business Funding**: Access capital for business growth without traditional bank loans or MCA debt
- **Home Improvement**: Fund renovations and repairs to increase property value
- **Life Events**: Cover education costs, medical expenses, or family needs
- **MCA Debt Relief**: Eliminate predatory merchant cash advance debt using home equity

## States Served (16 States)
Florida (FL), Georgia (GA), South Carolina (SC), North Carolina (NC), Virginia (VA), Pennsylvania (PA), Ohio (OH), Kentucky (KY), Tennessee (TN), Alabama (AL), Wisconsin (WI), Minnesota (MN), Maryland (MD), New Jersey (NJ), Indiana (IN), Missouri (MO)

## Qualification Requirements
- Property must be in one of our 16 operating states
- Sufficient home equity (typically 30%+ equity)
- Property types: single-family homes, condos, townhouses, some manufactured homes
- No minimum credit score required
- No income verification required
- No debt-to-income ratio requirements

## What Makes Us Different
| Feature | Afford Equity | HELOC | Cash-Out Refi | Personal Loan |
|---|---|---|---|---|
| Credit check | No | Yes | Yes | Yes |
| Income verification | No | Yes | Yes | Yes |
| Monthly payments | No | Yes | Yes | Yes |
| Timeline | 21-45 days | 45-60 days | 30-60 days | 7-30 days |
| Approval rate | High | Low | Low | Variable |

## Pages
- Homepage: https://www.affordequity.com
- Qualification Application: https://qualify.affordequity.com/get-estimate/1
- Debt Consolidation: https://www.affordequity.com/debt-consolidation
- Business Funding: https://www.affordequity.com/business-funding/v1
- MCA Debt Relief: https://www.affordequity.com/mca-debt-relief
- How It Works: https://www.affordequity.com/how-it-works
- About Us: https://www.affordequity.com/about
- Blog: https://www.affordequity.com/blog
- Contact: https://www.affordequity.com/contact

## Contact
- Website: https://www.affordequity.com
- Application: https://qualify.affordequity.com
- Phone: (407) 412-8804
- Email: info@affordequity.com

## Disclaimer
Afford Equity is not a lender. Transactions are structured as Sale-Buy-Back Agreements — real estate transactions, not loans. This content is for informational purposes only and does not constitute financial, legal, or tax advice. Homeowners should consult qualified professionals before making real estate decisions.