Imagine being able to seamlessly access the cash in
your property when you need it.

Leverage the value of your property to your advantage and not the bank’s.

No borrowing, interest, or payments.

Manage your asset with tools and market data.

Access your money to build your dreams or deal with life’s unexpected surprises.

The Transaction Basics

Vesta Equity's solution allows homeowners to sell equity to property investors through an equity sharing structure that ensures the homeowner retains full residential rights with no term length. In exchange for funds from property investors, a homeowner sells the financial rights to a percentage of their property's equity and future value. The home equity is realized when the property is sold.

Example: A homeowner with a property valued at $500K sells 20% of their equity on Vesta Equity and receives $100K from property investors. Later on, the homeowner sells the property itself for $600K to a new buyer and repays the investors of $120K from the proceeds of the sale.

Property Eligibility

Properties in most of the US are eligible, depending on state and owner occupancy. Contact us to find out if your US property is eligible.

Vesta Equity is currently accepting properties that are wholly owned and debt-free (no mortgages or loans against the property).

Valid home insurance that supports additional insureds is required for every property.

Listing Setup

A homeowner sells equity on the Vesta Equity Property Marketplace by creating
a listing for their property. Creating a listing involves:

Account setup

Booking live sessions for professional photography and property evaluation (inspection/appraisal).

Closing process which involves signing the Equity Sharing Agreement and recording of a securing document such as a Deed of Trust or Mortgage with the property’s county.

Confirmation of valid property insurance and addition of contract parties as Additional Insureds.

Payment of one-time setup costs ($2,000 - $3,000 based on average property value and location).

Determining what percentage of the property's equity to sell ahead of publishing the listing to the marketplace.

Accepting Offers and
Transferring Funds

Homeowners receive offer notifications from property investors for a percentage of equity they want to buy along with a purchase amount.

Offers can be accepted, rejected, or countered with a revised percentage or dollar amount.

Once both parties accept an offer, the transaction is settled immediately with the homeowner receiving funds to their wallet minus Vesta Equity's transaction fee.

Wallet funds can be easily transferred to a linked bank account immediately thereafter.