A Home Equity Investment is one of the most innovative and misunderstood financial products available to homeowners today — and for the right borrower, it is significantly more advantageous than a traditional HELOC or home equity loan. Through our partner Point, homeowners can access between $30,000 and $600,000 in equity — up to 20% of their home's value — in exchange for a share of their home's future appreciation. There are no monthly payments, no interest rate charges, no income requirements, and no minimum credit score beyond 500. You simply receive a lump sum today and repay Point's share when you sell, refinance, or buy back the investment within the 30-year term.

Who this is best for: Homeowners who are equity-rich but cash-flow constrained, self-employed borrowers or retirees on fixed income who may not qualify for a traditional HELOC, borrowers who do not want additional monthly debt obligations, and investors who want to deploy home equity into opportunities without increasing their monthly expense load.

Why we recommend exploring this before a HELOC: A HELOC carries a variable interest rate, monthly payment requirements, and traditional income documentation. A Point HEI has none of those constraints. For homeowners who qualify for both, we model both options side by side so you can make an informed decision. For homeowners who cannot qualify for a HELOC, Point HEI is frequently the most viable alternative.

Currently available in: Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Maryland, Michigan, Minnesota, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin, and Washington D.C.

Learn more or prequalify: point.com — prequalification takes under 60 seconds with no credit impact.

After exploring Point's HEI, contact our team for a side-by-side comparison with a traditional HELOC through Uptiq Premier Mortgage, NMLS#2362651, to ensure you are selecting the right equity access product for your long-term financial objectives.

For long-term Bitcoin holders who need liquidity without triggering a taxable sale event, a Bitcoin-backed loan is one of the most strategically sound financial tools available. Through our partner SALT Lending — the original Bitcoin-backed lender, trusted since 2016 — borrowers can access cash using their Bitcoin as collateral while retaining full ownership and long-term upside of their holdings. SALT offers loan terms of 1, 3, and 5 years with a typical loan-to-value ratio of up to 70%, funds in as little as 24 to 48 hours, and no credit check required. There are no prepayment penalties and borrowers can manage their loan in real time through SALT's mobile app and LTV monitoring system.

Who this is best for: Long-term Bitcoin holders who need liquidity for a home purchase, business investment, debt consolidation, or major purchase without selling their Bitcoin and recognizing a capital gains event. Also appropriate for borrowers who want to access cash during a market downturn to purchase additional Bitcoin at lower prices — using existing holdings as collateral to stack without selling.

Key considerations: Bitcoin-backed loans carry margin call risk — if Bitcoin's value drops significantly, additional collateral may be required or the loan may be liquidated. SALT provides real-time alerts and a stabilization feature to help borrowers manage this risk. Our advisors discuss these mechanics in full during the consultation process before any recommendation is made.

Homeowners undertaking significant exterior or interior improvement projects — including roofing, HVAC, plumbing, electrical, and general contracting — can access dedicated contractor client financing through our partnership with Regions Bank. This product is designed to provide seamless financing solutions at the point of project commitment, helping homeowners fund necessary improvements without depleting liquid reserves or drawing on home equity. Our affiliated company Christian Brothers Roofing — a veteran-owned DFW exterior contracting firm — utilizes this financing solution for qualifying clients, creating a coordinated pathway from project estimation through financing and completion.

Who this is best for: Homeowners funding roofing, exterior, HVAC, plumbing, electrical, or general contracting projects who prefer a dedicated home improvement financing product over a HELOC or personal loan. Also appropriate for real estate investors funding renovation projects on recently acquired properties.

Learn more: Contact our team to discuss project financing options and connect with the Regions Bank contractor financing program.

For borrowers with specific personal capital needs — debt consolidation, medical expenses, major purchases, or personal liquidity gaps — unsecured personal loans provide fast access to funds without collateral requirements. Fiduciary Financing advises on personal loan options through two primary partners:

SoFi — personal loans from well-qualified borrowers at competitive rates, available for a wide range of personal purposes. SoFi also offers student loan refinancing and private student loan products, making it a strong option for borrowers managing education-related debt alongside personal financial needs.

PersonalLoans.com — personal loans between $1,000 and $35,000 for borrowers across a broad credit spectrum. Best suited for borrowers who need straightforward access to personal capital and may not qualify for the most competitive SoFi rates.

Who this is best for: Borrowers with a defined, short-term personal capital need who do not have available home equity or prefer not to use collateral. Our advisors always evaluate whether a secured alternative — such as a HELOC or home equity investment — is more cost-effective before recommending an unsecured personal loan.

Student loan refinancing replaces one or more existing student loans — federal, private, or a combination — with a new private loan at a potentially lower interest rate or more favorable repayment structure. Fiduciary Financing advises on student loan refinancing through SoFi, which offers refinancing for standard student loans, private student loans, and professional loans for doctors and dentists carrying graduate school debt.

Important consideration: Refinancing federal student loans into a private loan permanently eliminates access to federal income-driven repayment plans, loan forgiveness programs, deferment, and forbearance options. This is a trade-off that must be carefully evaluated against the rate savings. Our advisors assess your complete student loan profile, income, employment situation, and long-term financial goals before making any refinancing recommendation.

Who this is best for: Borrowers with strong credit and stable income who are paying above-market rates on private student loans, or federal borrowers who do not anticipate needing income-driven repayment or forgiveness programs and stand to save meaningfully through refinancing.

For investors who hold real estate within a self-directed IRA or self-directed 401(k), standard mortgage financing is not available — all financing must be structured as a non-recourse loan, meaning the lender's only recourse in the event of default is the property itself, not the borrower personally. Fiduciary Financing advises on non-recourse loan structures through Peak Asset Lending, which specializes in financing for assets held inside self-directed retirement accounts.

Who this is best for: Real estate investors who have accumulated significant capital inside a self-directed IRA or 401(k) and want to leverage that capital to acquire investment properties while maintaining the tax-advantaged structure of the retirement account. This is a specialized product requiring careful coordination between the lending structure and the retirement account custodian. Our advisors work with our affiliated company Nashional Self-Directed 401(k) to ensure the financing and retirement account structures are fully aligned.

For borrowers financing boats, RVs, powersports equipment, cargo trailers, or horse trailers, Fiduciary Financing partners with Rock Solid Funding — a veteran-owned financial services provider specializing in recreational equipment loans nationwide. Rock Solid Funding offers competitive rates starting from 7.99%, loan terms from 36 to 240 months with no prepayment penalty, financing starting at $2,500 with no maximum, same-day approvals in many cases, and the ability to work with credit scores as low as 570. Whether you are financing a new or pre-owned boat, a motorhome, a jet ski, powersports equipment, or a horse trailer, Rock Solid Funding's team of dedicated loan specialists handles the process quickly and transparently — with no hidden fees and funding often available the same day as approval.

As a veteran-owned firm ourselves, Fiduciary Financing is proud to partner with Rock Solid Funding — a fellow veteran-owned and operated business with over 18 years in the industry, 50,000+ satisfied customers, and more than $400 million in annual fundings. Their team brings the same commitment to straightforward, client-first service that defines the Fiduciary Financing standard.

Apply directly through our partner link or contact our team to discuss whether recreational equipment financing fits your overall financial picture before proceeding.

Rock Solid Funding, NMLS#2611134. Rates from 7.99%–19.95% depending on credit profile. Meeting credit score minimum does not guarantee financing approval.