An Unlock home equity agreement (HEA) isn't a loan so there are:
1) No monthly payments, or added debt
2) No need to refinance
3) Apply online in 2 minutes
With a home equity agreement (HEA), you can access the equity in your home without taking on debt or making monthly payments.
End the HEA when you want to by selling the home or buying back equity in increments or all at once.
You are in control. You continue to live in your home enjoying up to 10 years to use your HEA.