Freedom to move forward.

Get up to 20% of your home's value in cash.
No monthly payments. No interest rates. No more debt.

Applying will not affect your credit score

Unlock your home equity.

Get up to $250k.
No monthly payments.

Applying will not effect your credit score

No monthly payments.

There are no monthly payments or interest. Buy us out anytime you want, up to 10 years.

Debt-free financing.

Sum offers a debt-free alternative to traditional home equity loans and home equity lines of credit without taking on additional debt.

Get your money fast.

If you accept our offer your money is deposited directly into your bank account. In as little as 14 days.

Debt-free alternative to HELOC and HEL.

Sum of the Whole provides cash in exchange for a share of your home's future appreciation. Unlike traditional financing options, there are no monthly payments, interest rates or additional debt. You simply return the initial cash amount you received plus a share of the gain (or minus a share of the loss) in the value of your home. We only come out ahead if you come out ahead.

Freedom to move forward.

Sum partners with responsible homeowners who prefer not to increase their debt. You can use the cash for anything you like, including home remodeling, education, paying off credit cards, retirement, or major purchases.

No monthly payments. No interest rates.
No more debt.

Check to see if Sum is right for you.

Get Started How it Works

Applying will not affect your credit score.