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Access your home equity without the burden of debt or monthly payments
We provide up to $500,000 in home equity financing with no monthly payments or interest, in exchange for a share in the future appreciation or depreciation of your home’s value. Noah invests in the value of a home with the hope that as the home gains value, we will share in that appreciation with the homeowner. That means we can take a much more flexible approach. We take a broad look at each homeowner’s financial situation to determine if we are going to invest in the home alongside them.
- No Monthly Payments
- No Additional Debt
- No Prepayment Penalty
- True Home Equity Partner
We consider properties in select metro areas:
- California – Los Angeles, Orange County, Inland Empire, San Diego, SF Bay Area, San Luis Obispo, Santa Barbara
- Colorado – Denver metro
- Oregon – Portland metro
- Utah – Salt Lake City metro
- Washington – Puget Sound metro
- Massachusetts – Boston metro
- Virginia – DC metro
- Washington DC
- New Jersey – NYC metro
- New York – NYC metro
How It Works
A home value investment from Noah provides up-front financing to be used however you like, in exchange for a portion of your home’s value.
- Receive your funds
Use the money to achieve your goals, like paying down debt, saving up an emergency fund, or renovating your home.
- Share your equity
In exchange for our investment, you allow Noah to share in a portion of the future value of your home.
- Your home grows in value
As the value of your home changes, Noah’s Share adjusts to reflect the gain or loss of our investment.
- Pay us back anytime before the end of the term
You have up to 10 years to buy out Noah’s investment, whether you sell, refinance, or pay us back another way.
Noah shares in the ups and downs of home ownership. When your home appreciates we share in the gain, and if it depreciates we share in the loss.
The Financing Process
- Get your estimate
With a few clicks, get instant pre-approval and learn how much funding you may be able to obtain. It’s free and won’t affect your credit score.
- Submit an application
Complete your online application and upload relevant documentation to help us get a better sense of your full financial picture. Don’t worry if you don’t have everything on hand; we’ll work with you to figure out what you need.
- Schedule your home appraisal
A third-party appraiser will inspect your home and provide an independent assessment of its current value. We use this value to determine the terms of your investment.
- Sign documents and receive your funds
Based on your application and the value of your home we’ll make a final investment offer. This will outline your funding amount and the percentage of your home’s value you’re agreeing to share with Noah. Once you sign final documents with a notary, we’ll transfer the funds within a few days.
- Repay us later
When your term ends, you buy out Noah’s investment. As your partner, we make money if your home has increased in value. If it hasn’t, we share in the losses with you.
The requirements below are must-haves, without which we are unable to provide you with financing. Additional information in regards to your personal profile and your property can also help secure a favorable offer from Noah.
- You are an existing homeowner with your name on the title of the property
- You have a pre-financing lien-to-value (LTV) of less than 85% on your home
- You have FICO/credit score of 600 or more
- The home for which you’re requesting financing is not being used for commercial reasons or on a land lease
- Your property is located in one of the states that Noah currently operates in
- Your property is not the subject of a foreclosure or bankruptcy proceeding
Please note that all eligibility criteria and the final investment amount are subject to final underwriting by Noah.
We’ve invested in over $300M worth of homes and counting
Patch Homes, Inc., d.b.a. Noah, is a modern finance company helping homeowners tap into their home value to meet their financial goals without incurring new monthly payments or interest. Founded in 2016 and headquartered in San Francisco, Noah’s innovative equity sharing model is a debt-free alternative to traditional home equity loans and HELOCs. By partnering with homeowners, Noah offers homeowners in select metro areas across the United States a one-time cash payment in exchange for a share in a percentage of their home’s future appreciation or depreciation. Noah’s roster of investors includes Union Square Ventures, Tribe Capital, Breega Capital, and Techstars Ventures. For more information visit www.noah.co.
6621 California Street, Lower Unit, San Francisco, California 94121
Real Estate Sectors
- Residential Investment Real Estate
- Residential Owner-Occupied Real Estate
- Residential Property Investors
"Their plan allowed me to use funds to pay off high interest loans and remodel my home. We have no problem sharing any gains in equity on our home with a company that provided us with funds in a manner that was so easy and required so little effort on our part."
The people at Noah were superlative. They knew the value of our home and community and invested to allow us to stay in our San Diego neighborhood.
Marshall and LIz
San Diego, CA
We could not say enough positive words to describe the outstanding service we received from Noah. Very professional, knowledgeable and kind team. Excellent communication during the entire process.