Unlock Your Home Equity Without Moving

Get cash from your home's value while staying in your house

Valserv helps you unlock your home equity without moving. You sell your home to an investor for cash and then rent it back so you can keep living there. It's a sale, not a loan—so there's no new debt or monthly mortgage payment. After closing, you're a tenant with a standard lease.

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How It Works

Our simple 5-step process makes it easy to unlock your home equity

1

Initial Assessment

Tell us about your home. We review basics like value, condition, and how much equity you have.

2

Custom Structure

We structure a transaction tailored to your specific needs and situation.

3

Close the Sale

You receive your cash at closing. All legal documentation is handled professionally.

4

Sign & Stay

Sign a lease and stay put. You pay rent going forward, just like any other rental.

5

Future Options

Sell the house and get remaining equity, or buy it back with a mortgage or cash.

Money & Costs to Expect

Transparent financial information to help you make the best decision

What You Get

  • Cash from the sale (minus normal closing costs and platform fee)
  • No new debt or monthly mortgage payment
  • Immediate access to your home's equity

Ongoing Costs

  • Monthly rent instead of mortgage payments
  • Major expenses typically shift to investor
  • Property taxes and insurance handled by investor

Financial Benefits

  • Access home equity without moving
  • No monthly mortgage payment
  • Potential tax advantages (consult professional)

Who This Is Good For

Find out if this solution fits your situation

Ideal For

Cash-Needy Homeowners

  • Debt payoff
  • Life events (medical, family)
  • Business capital
  • Emergency expenses

Life Transitions

  • Downsizing preparation
  • Major life changes
  • Retirement planning
  • Estate planning

Credit Challenges

  • Can't access equity through lenders
  • Need alternative financing
  • Want to avoid loan applications

Not Ideal For

  • Those planning to move soon
  • People who want to keep full ownership
  • Those with very low home equity
  • Short-term cash needs only

Smart Questions to Ask

Important questions to consider before proceeding

Financial Questions

  • How much cash can I get at closing after all fees?
  • What will my rent be, and how is it calculated?
  • How will rent be adjusted in future years?
  • What are the total costs compared to a traditional home equity loan?

Process Questions

  • How long does the entire process take?
  • What happens if I change my mind before closing?
  • What documentation will I need to provide?
  • Who handles the legal paperwork?

Lease & Living Questions

  • Who handles repairs and maintenance (minor vs. major)?
  • Are there renewal options after the initial lease term?
  • What happens if I need to move out early?
  • Can I make modifications to the property?

Legal & Protection Questions

  • What protects my equity during the transaction?
  • What are my rights as a tenant?
  • What happens if the investor sells the property?
  • Are there any restrictions on my use of the property?

Let's See If This Works For You

Tell us your goals and we'll provide a personalized assessment with a quick go/no-go checklist and key negotiation points.

Free personalized assessment
Quick go/no-go checklist
Key negotiation points
No obligation consultation

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