Home equity investment (HEI) · United States
Aspire Home Equity Investment: what $50,000 costs by the day you sell
We cannot produce a reliable comparable illustration from the published terms. A required rate or share may be missing, or published examples may conflict. We leave the number blank instead of selecting an unsupported assumption.
Current official FAQ could not be retrieved for a new check; the published appreciation share and cap cannot be reverified.
Everything below is what the provider does state publicly, with the parts it does not state marked as such.
What does the provider publish?
Aspire publishes the terms below on its own pages; each line links to the page it was read from.
| Term | As published | Where |
|---|---|---|
| Origination fee | 3% of the cash | source |
| Term | 15 years | source |
| How the share is set | the cash back, plus a share of the gain in value | source |
| Share of the gain | 32.5% of the change in value | source |
| Cap on the payoff | 18% a year | source |
| Minimum credit score | 660 | source |
| Minimum amount | $35,000 | source |
| Maximum amount | $250,000 | source |
| States | 12 — We are currently working with homeowners in the following states: Arizona, California, Colorado, Florida, Nevada, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia and the District of Columbia. | source |
Notes from the page; text in quotation marks is quoted verbatim. “Aspire will deduct a 3% processing fee and third-party closing costs from your funding amount. Aspire determines its share by taking the Initial Cash Payment (expressed as a percentage of your home's appraised value at that time) and multiplying the percentage by 3.25. If you were to access $50k on a home with an appraised value of $500k, that would be equal to 10% of the home's value. That 10% is multiplied by 3.25 to determine Aspire's share - in this example, Aspire's share would be 32.5% of the property's change in value. The amount due to Aspire is limited to a maximum annual return (compounding monthly) of 12% if the agreement terminates in the first 3 years, up to a maximum of 18% if the agreement terminates in year 4 or later (cap_apr_pct records the year-4+ value). 15-year term; 660 Credit Score Minimum; Minimum investment amount of $35k and a maximum amount of $250K; up to 15% of the appraised value. Example lacks future value / payoff so example_* left null. Administered by Aspire RWT, LLC, owned by Redwood Trust, Inc. Rechecked 2026-09-29: Current official FAQ could not be retrieved for a new check; the published appreciation share and cap cannot be reverified.” checked 2026-08-25
Maximum combined loan-to-value: not stated in the provider's published documentation (checked 2026-08-25).
Minimum home value: not stated in the provider's published documentation (checked 2026-08-25).
Third-party costs: not stated in the provider's published documentation (checked 2026-08-25).
Third-party costs (high end): not stated in the provider's published documentation (checked 2026-08-25).
Starting-value adjustment: not stated in the provider's published documentation (checked 2026-08-25).
Who owns it?
Owned by Redwood Trust, Inc.. Source. checked 2026-08-25
Where this leaves you
- You cannot budget from this page. Ask the provider, in writing, for the rate or the share, every fee, the term, and what you would owe if you sold in year 3, 5, and 10 on the value of your own home.
- Ask whether there is a cap on what you repay, and whether the starting value is adjusted below the appraisal. Those two terms move the answer more than the fee.
- Providers that do publish enough to compute are listed in the full list.
Who this page is not for
This is not a review. We have not used Aspire, we hold no opinion on its service, and nothing here is a recommendation or advice. It answers one question: what the published terms turn into by the day you sell.
Sources
- Aspire terms page. checked 2026-08-25
- Ownership source. checked 2026-08-25
- data.json — the row behind this page, with the source URL and check date on every figure.
Related
- Every product we hold, and which publish enough to compute
- Put your own home value and sale year in
- The three numbers that decide what home equity costs
- How these figures are produced
Written by Kaz (pen name). Figures are copied from providers' published pages on the dates shown. We have not used these products. Corrections: contact form.