The End-to-End Home Equity
Agreement Platform
Point of sale. Origination system. Broker portal. Customer Dashboard. One integrated platform built for the mechanics of equity sharing.
QuantmRE is the end-to-end software platform for Home Equity Agreements. It gives licensed HEA Originators an integrated point of sale, origination system, white-label broker portal, and a branded Customer Dashboard carrying the application through to funding, so a company can quote, originate, and manage HEAs on one system.
A complete HEA origination capability, configured to your requirements and operational in weeks. Covers the full lifecycle: point of sale and quoting, valuation, underwriting workflow, compliance, document generation, investor packaging and partner pipeline visibility, delivered as a single integrated service under your brand.
Point of Sale · Origination · Broker Portal · Customer Dashboard
Example figures
What it is
What is an
HEA platform?
A Home Equity Agreement platform is the technology layer an Originator uses to run an HEA program: pricing and quoting, application intake, underwriting against product guidelines, document generation, funding, and post-funding servicing through settlement.
Home Equity Agreements are also known as Home Equity Investments, or HEIs. HEAs are not loans. A homeowner receives a lump sum today in exchange for a share of the future value of their home, with no monthly payments and no traditional loan or interest charges. Because the product mechanics are different from a mortgage or HELOC, the technology requirements are different too.
Example figures
The platform calculates equity shares, caps, and appreciation-based payoffs as native operations. Resolution happens at a settlement event: sale, buyout, or term maturity, with ongoing valuation tracked through the life of each agreement. Every quote and funded agreement is traceable to the exact product guideline version in force at origination.
BUILT FOR HEA MECHANICS
Key Capabilities built for Home Equity Agreements.
An HEA program needs technology that natively handles the mechanics of equity sharing:
Equity share calculations
Equity share and investment payment calculations, including caps and appreciation-based payoff math. The platform works in equity percentages, option multiples, and appreciation factors.
Versioned product guidelines
Product guidelines that are versioned and auditable, so every quote and funded agreement can be traced to the exact guideline version in force at origination.
Multi-scenario quote documents
Multi-scenario quote documents that illustrate settlement outcomes across future home values and settlement years, presented as equity projection tables.
Settlement event tracking
Settlement events: sale, buyout, partial buyout, and term maturity. The workflow is structured around disposition events across the full life of the agreement.
Ongoing valuation monitoring
Ongoing valuation monitoring across the portfolio. The platform tracks property value changes over the life of each agreement.
Purpose-built
Every capability here is native to the platform rather than adapted from another product. The mechanics of equity sharing are the design starting point.
The Platform
What the QuantmRE
platform includes.
Each layer works standalone or as part of the integrated whole. The platform supports multiple products, multiple channels, and white-label deployment under the Originator's brand.
Consumer-facing
Consumer-facing calculator, instant quotes, multi-page quote documents, guided application wizard, deployed under the Originator's brand and domain.
- Instant eligibility estimate
- Multi-scenario quote documents
- Guided 8-step application wizard
- White-label brand and domain
- Embeddable calculator widget
Back-office
Pipeline management, underwriting against versioned product guidelines, automated valuations, identity verification, document generation and e-sign, funding workflow.
- Multi-provider AVM cascade
- Versioned underwriting guidelines
- Automated document generation
- E-signature and funding workflow
- Comprehensive activity audit trail
Partner channel
White-label partner channel with branded quote links, deal submission, and real-time status visibility for brokers and referral partners across the full pipeline.
- Branded portal with custom domain
- Real-time application status
- Fee tracking and payout management
- Partner API for CRM integration
- HELOC turndown referral routing
Homeowner-facing
A branded homeowner account covering the full agreement lifecycle: signing documents during the application, then statements and payoff quotes for as long as the agreement is active.
- Branded homeowner login
- Application and settlement status tracking
- Document upload and e-signature
- AI-guided support
- Statements and on-demand payoff quotes
Post-funding
Post-funding servicing across the portfolio: valuation monitoring, payoff and buyout calculations, settlement event management, and investor reporting through the life of each agreement.
- Ongoing valuation monitoring
- Buyout and payoff calculations
- Settlement event management
- Investor portfolio reporting
- Portfolio-level surveillance
Example figures
Who uses it
Multiple audiences.
One platform.
QuantmRE serves licensed HEA Originators and the companies that work with them: mortgage brokers adding HEAs to their product shelf, reverse mortgage companies serving homeowners who want an alternative to a HECM, traditional lenders launching an equity-sharing product, and banks or credit unions evaluating the category. QuantmRE is not a lender and is not a counterparty to homeowners. The platform enables licensed Originators to run their own programs.
Brokers and independent originators writing Home Equity Agreements as third-party originators, under their own program or a sponsoring Originator's, using the platform end to end from quote to funding.
Companies already originating conventional, non-QM, or reverse mortgage products, adding an equity-sharing product for homeowners who want liquidity without a monthly payment.
Depositories and private lenders offering customers and members access to home equity without a traditional loan, with the audit trail and guideline versioning a regulated program requires.
Ready to Access the HEA Market?
Tell us where you fit and we will show you exactly how QuantmRE's platform works for your business.
Request a Demo →Or call us at (888) 612-3101
Common questions
Frequently asked questions.
Why the need for a purpose built HEA platform?
HEAs work differently from other home finance products. There is no interest rate, no amortization, and no monthly payment. Resolution happens at a settlement event and the amount owed depends on the home's value at that point. A purpose-built platform handles those mechanics natively: equity share mathematics, versioned product guidelines, multi-scenario quote documents, settlement tracking, and ongoing valuation monitoring.
Does QuantmRE originate Home Equity Agreements?
No. QuantmRE provides the platform. Licensed HEA Originators use it to offer, originate, and service their own HEA programs.
Can the platform be white-labeled?
Yes. Originators can run the consumer experience, broker portal, and documents under their own brand, and can extend branded quote links to their broker and partner networks.
How long does it take to launch an HEA program on QuantmRE?
Because the point of sale and origination system already exist, launch timelines are driven by the Originator's product guidelines, documents, and licensing rather than by software development. Configuration is measured in weeks, not the year or more typical of building in-house.
What can homeowners do through the Customer Dashboard?
Homeowners use the Customer Dashboard throughout the application: uploading and signing documents, tracking status in real time, and messaging the Originator directly. Once an agreement is in place, the same dashboard continues to give homeowners visibility into their account.
Do homeowners make monthly payments on an HEA?
No. An HEA has no monthly payments and no traditional loan or interest charges. The Originator receives its agreed share of the home's value at a settlement event such as a sale or buyout.