Question 1

What is an equity appreciation loan?

Accepted Answer

It uses your home's projected value growth to offer better financing terms. In exchange, some lenders take a share of future appreciation.

Question 2

Do these loans work for Napa wine country properties?

Accepted Answer

Some lenders handle them well, others don't. Properties with ag zoning or short-term rental income need a lender familiar with Napa's asset types.

Question 3

How is this different from a HELOC?

Accepted Answer

A HELOC lets you borrow against current equity without giving up future gains. Equity appreciation loans may trade some upside for better terms.

Question 4

What credit score do I need?

Accepted Answer

Requirements vary by lender and program. Most want strong credit and meaningful existing equity before they'll discuss terms.

Question 5

Are equity appreciation loans considered non-QM?

Accepted Answer

Not necessarily. Some qualify under standard guidelines. The structure of each product determines how it's classified. Rates vary by borrower profile and market conditions.

Question 6

Can SRK CAPITAL shop multiple lenders for this?

Accepted Answer

Yes. We have access to 200+ wholesale lenders and know which ones actively fund equity appreciation products in Napa County.

Equity Appreciation Loans in Napa, CA