The bank said no.
Your home hasn't.
Take cash from the equity you already built. No monthly payment. No income verification. Programs starting at FICO 500.
- FICO 500 minimum
- No income verification
- You stay on title
StayFrank has funded 6 Phoenix‑area homeowners in the last 90 days.
🔒 No credit pull. You’ll get a text confirming your request, and a specialist will call to walk you through your numbers.
- Helping homeowners since 2022
- Phoenix-based team
- No credit pull to see your estimate
- You keep the deed
A bank underwrites your paperwork. We underwrite your house.
Those decisions turn on income and credit files. Ours turns on your home.
⌂ Equity does the qualifying
No tax returns. No pay stubs. No debt-to-income test. That is why the program works for retirees, the self-employed and homeowners between jobs.
💳 Nothing new each month
No interest and no payment. You settle once, when you sell, refinance or buy the share back. Any time inside a term of up to 30 years, with no prepayment penalty.
🔒 The home stays yours
You stay on title and keep the deed. The investor records a lien to protect the investment, the same way a mortgage lender does.
Three steps. A real person on the phone for all of them.
-
01
Tell us about the home
Give us the address and roughly what you owe. That is enough to put a number in front of you. No credit pull.
-
02
A specialist matches the program
Not an algorithm. A specialist confirms which StayFrank program fits, then explains the share, the cap and the costs in plain English.
-
03
Appraisal, then funds
A licensed appraiser sets the starting value. You sign at home with a mobile notary, then we wire the money. Commonly two to three weeks, start to finish.
Talk to a Real Person Before You Decide
No bots. No gatekeeping. Call, text or book a 15-minute slot, whichever is easiest for you.
Four ways to reach your equity. They are not the same.
| StayFrank HEI | HELOC / Cash-Out Refi | Reverse Mortgage | |
|---|---|---|---|
| Monthly payment | None | Required | None — interest accrues |
| Interest charged | None | Yes, often variable | Yes, compounds |
| Credit requirement | FICO 500 minimum | Good to excellent | Typically required |
| Income / DTI test | None | Required | Limited |
| Age requirement | None | None | 62 and over |
| If the home loses value | Our share drops with it | Full balance still owed | Balance plus interest owed |
| Adds debt to your credit report | No | Yes | Yes |
| When repayment is due | Any time within 30 years | Monthly, on schedule | When you leave the home |
What it actually costs, written out.
Most companies in this category bury the arithmetic. Here it is up front. This is an illustration, not your offer, but the shape is real. Understand it before you talk to anyone, including us.
Plainly: $80,000 today can settle at roughly $175,000 ten years later if the home appreciates as illustrated. That is the trade. No payments and no interest for ten years, in exchange for a share of the gain. For some homeowners it is the right trade. For others it is not. That is why a specialist walks you through your own numbers first.
A cap you agree to first
Every investment carries a maximum return cap, disclosed before you sign. Appreciation above it stays with you.
We take the downside too
If the home loses value, our share falls with it. A loan still owes the full balance, whatever the market does.
Your improvements stay yours
Documented major renovations may qualify for an improvement adjustment, excluding the value you added.
Get Your Cash Estimate
No credit pull. No commitment. A specialist walks you through your number on the call.
When everyone was saying no.
“I don't know where I would be had it not been for StayFrank's program. When everyone was saying no, StayFrank said no problem. The staff is phenomenal!”
“I am doing much better now that I found this opportunity to get ahead in my situation and still stay in my home. StayFrank took the time to walk me through the process.”
Common questions
Do I still own my home?
Yes. You stay on title, keep the deed and make every decision about the property. The investor records a lien to protect the investment, the same way a mortgage lender does. Taxes, insurance and maintenance stay with you.
How much can I take out?
Typically 10% to 25% of your home's current value, with a minimum that varies by market. The program leaves roughly 25% equity in the home, so what you can access depends on what you still owe.
Is this a loan?
No interest rate, no monthly payment, and nothing reported to the credit bureaus as debt. What there is: a contract and a recorded lien, and an obligation to settle at the end of the term out of the home's value. Treat it as a serious claim against your house, because that is what it is.
What happens if my home loses value?
StayFrank's share moves down with it. The investment is tied to your home's value, not a fixed balance, so a decline reduces what is owed at settlement. A loan does not work that way.
Does my credit score decide this?
Credit is not the deciding factor. The minimum FICO is 500, and the review centers on the home and its equity. No tax returns. No pay stubs.
What does it cost to apply?
Nothing to apply and nothing to receive an offer. Standard third-party closing costs apply if you proceed — appraisal, title, escrow, recording and a one-time origination fee — itemised in your offer and deducted from the funding amount. No agent commissions.
Should I get independent advice?
Yes, and we will say so before you ask. Compare this against a HELOC, a home equity loan, a cash-out refinance and any assistance you may qualify for, and bring in an attorney or someone you trust. A good decision survives a second opinion.
See the number before you decide anything.
Two minutes. No credit pull. No obligation.