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How It Works

You shouldn’t have to make monthly payments to unlock your own equity.

The equity in your home is only there because you built it. Now EquityRock can help you make the most of it—without interest charges, monthly payments, or debt of any kind. The REX Agreement makes this possible as much for what it is not, as for what it is.

The REX Agreement is not a reverse mortgage, nor is it a loan of any kind. It is a real estate investment agreement—in the form of a purchase option—that enables you to convert a portion of your home’s equity into cash that you can use for any purpose. In exchange, you agree to give EquityRock the option to share in a specified percentage of the future increase or decrease in the home’s value. If the home increases in value, EquityRock shares in the gain. If the home declines in value, EquityRock shares in the loss. It’s that simple.

The REX Agreement
In 4 Easy Steps.

  1. The homeowners decide how much cash they want to receive or the percentage of the future change in value of the home they’re willing to share (up to 50 percent).
  2. The homeowners and EquityRock agree to the value of the home based on various valuation tools, including a neutral 3rd party appraisal.
  3. The homeowners receive the Advance Payment in cash immediately upon entering into the REX Agreement—with no interest or monthly payments and may use the money with no restrictions
  4. A REX Agreement typically remains in place until the earlier of 50 years* or when the homeowner sells the home—at which time EquityRock will share in the gain or loss on the home value.
*40 years in Illinois and 30 years in North Carolina.
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