Independent HEI counseling
We don't sell home equity investments or take commissions from anyone, so we can tell you plainly what an offer will cost you, what to watch for in the contract, and whether another option would serve you better.
What's at stake: for one Seattle home on HEI Calculator, two providers that both fit differ by $22,562 on the same $100,000 over 7 years.
$99one time
You're early and want a person to check your numbers.
Your $99 counts toward the Offer Review if you upgrade within 60 days.
Choose the Quick CheckRecommended for most homeowners
$249one time
You have an offer, or will soon, and want to know if it's a good one.
Everything in the Quick Check, plus:
$999one time
You're comparing several offers or deciding with family, and want us with you until you sign.
Everything in the Offer Review, plus:
“Mike helped me save $14,000. I couldn't recommend him more.”
“I almost signed the first offer. The review caught a fee I'd completely missed.”
“Clear, honest, and fast. Worth every penny of the $249.”
“He showed me a HELOC was cheaper for my situation. That saved me about $22,000.”
“My kids joined the video call, and everyone finally understood the deal.”
“The 10-year cost breakdown changed my mind. So glad I asked first.”
“Mike compared three offers side by side and got me a better rate.”
“No pressure, just the facts. I signed with confidence.”
“The red-flag list alone was worth it. I'd have missed two of them.”
“Saved me $9,500 and a lot of sleepless nights.”
No. We don't sell HEIs, loans, or refinances, and no provider pays us. That's why we can be honest about the pros and cons of each.
No. We analyze and explain. We don't apply for anything or negotiate on your behalf; you stay in control of every conversation with a provider.
Yes, both states require counseling before you sign an HEI. See what the law requires in Illinois and Maine, and how our review fits alongside it.
The Quick Check tells you which providers fit and roughly what each would cost. When your offer arrives, upgrade to the Offer Review within 60 days and your $99 counts toward it, so you pay $150 more.
Yes. HEI Calculator is free and compares all six major providers for your home in about a minute.