Check Eligibility

Process

FAQ

Home Value
$2M
Mortgage
$1M
Eligible to get
$116,261

No Monthly Payments

No Term Limits

Unlock it Today

Estimates are informational only. Results may vary.
See Terms of Service.

As seen in

As seen in

Horizon Wealth

Horizon Wealth

Diversify Your
Home Equity

Diversify Your
Home Equity

No Monthly Payments

Retain Homeownership

No Term Limits

No Income Requirements

No Monthly Payments

No Term Limits

Retain Homeownership

No Income Requirements

As seen on

As seen on

Unlock The Power Of Your Home Equity

Unlock The Power Of Your Home Equity

Adjust your home value and mortgage balance to see how much cash you could access for investments and diversification

Adjust your home value and mortgage balance to see how much cash you could access for investments and diversification

Estimates are informational only. Results may vary. See Terms of Use.

Home Value
$2M
Mortgage
$1M
Eligible to get
$116,261

No Monthly Payments

No Term Limits

Unlock it Today

Home Value
$2M
Mortgage
$1M
Eligible to get
$116,261

No Monthly Payments

No Term Limits

Unlock it Today

How Horizon Works

How Horizon Works

Apply in under 90 seconds
No credit impact
No obligation

Apply in under 90 seconds
No credit impact
No obligation

1

Get Your Estimate Instantly

Get Your Estimate Instantly

Check your eligibility in less than 90 seconds, with no credit impact or obligation to continue

Check your eligibility in less than 90 seconds, with no credit impact or obligation to continue

2

Third-party home appraisal

Third-party home appraisal

A licensed third-party appraiser confirms your home’s market value to finalize your offer

A licensed third-party appraiser confirms your home’s market value to finalize your offer

3

Convert equity to Cash

Convert equity to Cash

Once approved, receive cash directly in your bank account - completely yours, with no term limits

Once approved, receive cash directly in your bank account - completely yours, with no term limits

Takes Under 90 seconds

Takes Under 90 seconds

Capitalize on Market Growth

Capitalize on Market Growth

Your Home Is Your Biggest Asset. Now It Can Be Your Smartest One.

Your Home Is Your Biggest Asset. Now It Can Be Your Smartest One.

S&P500 (5x)

Home Price

                1995

                1997

                1999

                2001

                2003

                2005

                2007

                2009

                2011

                2013

                2015

                2017

                2019

                2021

                2023

                2025

                The home appreciation figures are derived from the Case-Shiller Home Price Index (CSHPI). The S&P 500 figures reflect total returns, including reinvestment of dividends. See Terms of Service.

                ”Diversifying well is the most important thing you need to do in order to invest well”

                ”Diversifying well is the most important thing you need to do in order to invest well”

                — Ray Dalio, Principles

                S&P500 (5x)

                Home Price

                '95

                '97

                '99

                '01

                '03

                '05

                '07

                '09

                '11

                '13

                '15

                '17

                '19

                '21

                '23

                '25

                The home appreciation figures are derived from the Case-Shiller Home Price Index (CSHPI). The S&P 500 figures reflect total returns, including reinvestment of dividends. See Terms of Service.

                ”Diversifying well is the most important thing you need to do in order to invest well”

                — Ray Dalio, Principles

                ”Diversifying well is the most important thing you need to do in order to invest well”

                — Ray Dalio, Principles

                Put Your Home Equity to Work

                Put Your Home Equity to Work

                Convert a portion of your home equity into liquid capital, and invest it without selling your home, taking on debt, or making monthly payments

                Convert a portion of your home equity into liquid capital, and invest it without selling your home, taking on debt, or making monthly payments

                Build a Diversified Portfolio

                Build a Diversified Portfolio

                Buy Life
                Insurance

                Add to Long-Term Investments

                Add to Long-Term Investments

                Build Cash
                Reserves

                Build Cash
                Reserves

                Save for
                Education

                Boost Emergency Readiness

                Boost Emergency Readiness

                Your home continues to appreciate, and now the rest of your wealth can too

                Your Top Questions

                Your Top Questions

                Nothing builds trust like straight answers. Here are the big ones - clear, honest, and easy to skim.

                Nothing builds trust like straight answers. Here are the big ones - clear, honest, and easy to skim.

                What is Horizon?

                Horizon is a platform that enables you to access a portion of your home's equity, without monthly payments, and invest that equity in other assets. You keep full ownership of your home and can settle when you’re ready. There is no term limit.

                Why Homeowners Choose Horizon Wealth

                Am I eligible?

                How much cash can I access?

                Do I keep ownership of my home?

                Are there monthly payments?

                Who controls my investments?

                When do I have to settle?

                How much might I owe when I settle?

                Deep-dive FAQs

                More Questions? Browse the full FAQ, email us or

                schedule a call

                Eligibility

                Is this available in my state?

                Currently, Horizon works with homeowners in select U.S. markets. These include AZ, CA, DC, DE, FL, ID, IN, MO, NH, NJ, NV, OH, OR, PA, SC, TN, UT, VA, VT, and WI. We plan to expand over time.

                We expect to go live in Iowa, Idaho, Indiana, Minnesota, Alabama, Louisiana, Kentucky, Oklahoma, Arkansas, Hawaii, Kansas, New Mexico, Montana, and Wyoming in the coming weeks. For updates on future state availability, please subscribe to our newsletter below.

                Can I use this for rental or investment properties?

                Eligible properties are primary homes and qualifying second homes like vacation homes. Rentals, investment properties, farmland, and commercial properties are not eligible.

                Can I qualify if I have a HELOC or second mortgage?

                Often not, unless lien priority and combined LTV still meet provider rules. Many customers need to close or pay off a HELOC before signing up with Horizon.

                Does this work for properties held in a trust?

                Yes, if the trust allows it. We may ask for the trust agreement and signatures from the right parties.

                What is the maximum and minimum investment amount?

                The minimum amount is $20,000. The maximum depends on your home equity and combined loan-to-value. With no mortgage, most homeowners can access up to roughly twenty-two percent of their home’s value, and the amount is usually lower if you have an existing mortgage. Use this estimator to check your maximum.

                Payments, Costs & Economics

                Investments

                Process And Timelines

                Comparisons

                How does this compare to a HELOC?

                Legal and Risks

                Will my contract terms change over time?

                Is my home at risk if market fluctuations occur?

                Are there tax implications?

                What if Horizon goes out of business?

                Company

                Home

                Process

                FAQ

                Legal

                Privacy

                Terms

                Sign up for news and updates

                By subscribing, you agree to receive marketing information from Horizon and agree to Horizon's Privacy Policy.

                Horizon is a technology platform that connects homeowners with licensed home equity investment (HEI) providers. Horizon does not originate, broker, or provide financial products, nor does it offer investment, financial, or tax advice. Any references to diversification or potential outcomes are informational only. All investments carry risk, and historical performance is not indicative of future results. Homeowners should consult their own advisors before making any financial decisions. Please refer to our FAQ, terms and conditions, and preferred providers’ websites for more information.

                © 2025 Copyright Horizon Digital Inc.
                All rights reserved.

                Company

                Home

                Process

                FAQ

                Legal

                Privacy

                Terms

                Sign up for news and updates

                By subscribing, you agree to receive marketing information from Horizon and agree to Horizon's Privacy Policy.

                Horizon is a technology platform that connects homeowners with licensed home equity investment (HEI) providers. Horizon does not originate, broker, or provide financial products, nor does it offer investment, financial, or tax advice. Any references to diversification or potential outcomes are informational only. All investments carry risk, and historical performance is not indicative of future results. Homeowners should consult their own advisors before making any financial decisions. Please refer to our FAQ, terms and conditions, and preferred providers’ websites for more information.

                © 2025 Copyright Horizon Digital Inc.
                All rights reserved.

                Company

                Home

                Process

                FAQ

                Legal

                Privacy

                Terms

                Sign up for news and updates

                By subscribing, you agree to receive marketing information from Horizon and agree to Horizon's Privacy Policy.

                Horizon is a technology platform that connects homeowners with licensed home equity investment (HEI) providers. Horizon does not originate, broker, or provide financial products, nor does it offer investment, financial, or tax advice. Any references to diversification or potential outcomes are informational only. All investments carry risk, and historical performance is not indicative of future results. Homeowners should consult their own advisors before making any financial decisions. Please refer to our FAQ, terms and conditions, and preferred providers’ websites for more information.

                © 2025 Copyright Horizon Digital Inc.
                All rights reserved.