FinStockGenius

For decades, homeowners looking to access their home equity had two primary options: home equity loans or HELOCs (Home Equity Lines of Credit) . But in 2025, a new trend is gaining serious traction in the U.S. housing market— no-loan home equity sharing models like Splitero . These innovative models let homeowners unlock cash from their homes without taking on new debt or monthly payments. In this post, we’ll break down how no-loan equity models work, who they’re best for, the pros and cons, and how Splitero compares with other solutions. We’ll also explore a real U.S. homeowner case study and answer the most frequently asked questions. What is a No-Loan Home Equity Model? A no-loan home equity model allows homeowners to access a portion of their home equity without borrowing money . Instead of monthly interest payments, companies like Splitero offer a lump sum upfront in exchange for a share of the home’s future value when it's sold or refinanced. Unlike a tra...