Pursuant to the Fair Credit Reporting Act (FCRA), I hereby provide my written instructions and authorization for J.G. Wentworth to obtain a consumer report on me. I understand that J.G. Wentworth has a permissible purpose under the FCRA to request and review my consumer report in connection with a financial transaction. I acknowledge that this request for a consumer report is being made in accordance with my explicit consent and instructions as required under the FCRA.

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Get a Home Equity Cashout of $50,000 or more  

Get cash upfront

Pre-qualify in seconds, starting from $50k. You continue to own and enjoy your home - we receive a share of your home’s future value.

Use it for what you need

Pay down debt—or use the cash to pay for anything you need. There are no monthly payments and you keep your existing mortgage. 

Pay it off when you’re ready

You have up to 10 years to decide how and when you pay off your Cashout. There are no prepayment penalties and you can make partial payments at any time.

Find out today how much you could cashout!​

Unlock Your Equity

How a Home Equity Cashout works:

Fast, efficient and intuitive process, led by our experts

1

Answer a few questions

Let us know how to get in touch with you

2

Get a free estimate

A specialist will call you to go over your situation and review your options

3

Receive your funds

If approved and finalized, you will receive a lump sum payment

See how a Cashout stacks up

Home Equity Cashouts deliver speed and certainty for homeowners seeking more flexibilty

Cashout

HELOC

Reverse Mortgage

Personal Loan

No monthly payments

No payments for up to 10 years 

No income requirement

600+ credit scores accepted

No need to pay off first mortgage

Maintain ownership of your home1

Cashout

HELOC

No monthly payments

No payments for up to 10 years 

No income requirement

600+ credit scores accepted

No need to pay off first mortgage

Maintain ownership of your home1

Home Equity Cashout Made Simple

See Your Options

FAQs

What is a Home Equity Cashout?

A Home Equity Cashout from JG Wentworth enables you to access the equity you’ve accumulated in your home without monthly payments, even if you don’t have perfect credit.

The idea is simple: JG Wentworth gives you a lump sum of cash today in exchange for a percentage of your home’s future value later.

If you’re looking for a way to access your home’s equity, but don’t have perfect credit, want to avoid the stress of more monthly payments, and don’t want to sell your home—a Home Equity Cashout may be right for you.

Do I qualify for a JG Wentworth Home Equity Cashout?

To qualify you must meet the following criteria:

  • Your home needs to be in an approved market area, and it should be worth over $150,000.
  • You need to have sufficient percentage of the equity in your home, usually at least 25%.
  • You should have a minimum credit score of 600.
  • You don’t have any recent bankruptcies or foreclosures.
  • Your home is of a qualified property type—i.e., a Single Family Home (1 unit), Condo, Townhome, 2-4 Unit residence, or planned unit development.
What states is JG Wentworth’s Cashout available in?

Florida, Michigan, New Jersey, New York, Ohio, Pennsylvania, California, Georgia and Illinois.  We are continuing to expand in other states so stay tuned. 

When do I need to repay JG Wentworth?

After receiving your funds, you have up to 10 years to settle the Cashout. This can happen in two ways:

  • If you sell your home, we will receive our portion of the proceeds from the sale or
  • You can settle the Cashout with other funds—for example, by obtaining a home equity loan, refinancing your mortgage, or using personal savings.

By using some of their Cashout funds to pay down debt and bills, clients can often improve their credit profile and become eligible for a home equity loan in just a few years—and then can use those funds to pay off the Cashout early.

Is a Home Equity Cashout a second mortgage?

No, it’s not a mortgage or loan. In fact, it’s designed to help people who might not qualify for a second mortgage. However, it does create a lien on your property that must be satisfied when you sell or refinance.

1In the event of an uncured default JGW has the right to become co-owners of the property, to declare the payoff amount immediately due, and to sell or foreclose on the property, among other rights.

Home Equity Cashouts are originated by JGW Residential. LLC (NMLS ID # 2669687 in CO, GA, IL, and WA) NMLS – Consumer Access – Company

A Home Equity Cashout is not a traditional loan and does not require monthly payments. However, it involves a future financial obligation based on the value of your home at the time of sale or another triggering event. Product classification may vary by state, and in some jurisdictions, this agreement may be considered a reverse mortgage or credit obligation. Please consult with a licensed advisor or attorney to understand how this product may be treated under local law. Licenses.

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FYI, this option
requires collateral

This could include items you own such as
Your vehicle
Housing fixtures
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