A Home Equity Contract is a good way to get immediate value out of your home’s existing equity without the need to take on new debt (i.e., a 2nd loan, HELOC, or reverse mortgage). It also displaces some of the risk of depreciation in the event property values decline during a certain period of time. In return, you agree to share with QuantmRE an agreed percentage of the current value as well as some of the appreciation or depreciation in the value of the property over time. This means that if the property appreciates in value over time, you’ll realize less of that appreciation in value when you sell, as a portion of it will be paid to us.