Figure Home AdvantageTM

Sell your house, keep your home. Figure buys your home and then grants you a lease to stay as long as you like.

Speak to a customer service professional

Bloomberg Radio888-819-6388Not for use by New York borrowers

Better than a
reverse mortgage

Figure Home AdvantageTM offers
more cash, no fees and
worries compared to a traditional reverse mortgage.

FigureReverse Mortgage
Upfront CashUp to 92%38–60%3
Age requirementNone62 years+
Origination feesNoneUp to $6,000
Mortgage insuranceNoneUp to 2%
Title insurance feesNoneUp to $3,000
Property taxesNoneUp to 2.4%
Home maintenance costsNone1%4

Benefits of Figure Home Advantage

Access to funds

Access to funds

You’ll receive more cash up front and a debt-free solution compared to other financing options.

Stay as long as you like

Stay as long as you like

Your lease renews annually, giving you the flexibility you need to stay as long as you like.

Worry free/hassle free

Worry free/hassle free

Figure takes care of the cost and hassle of property taxes, homeowner’s insurance, and ongoing maintenance.

Choose the solution that fits your needs

Smart alternative to a reverse mortgage

Smart alternative to a reverse mortgage

Costs are rising faster than incomes for most retirees. Taking on debt isn’t a good solution for many. Yet reverse mortgages aren’t viable for most given their eligibility requirements, costs and complexity. Figure Home Advantage is designed to help.

Lock in Your Gains

Lock in Your Gains

Ready to sell but not move? You're not alone. Homes are the largest nest egg for most of us. So we created an option for you to sell now and lock in current real estate prices, access the cash to pay off bills or make a down payment on your next home, or travel the world. It's up to you.


Can I apply from any state?

Figure Home Advantage is available in 12 markets: Atlanta, GA; Cincinnati, OH; Cleveland, OH; Dallas, TX; Houston, TX; Jacksonville, FL; Philadelphia, PA; Phoenix, AZ; Pittsburgh, PA; Reno, NV; San Antonio, TX; and Tampa, FL, but are expanding quickly. Join our waitlist.

Are there any financial requirements?

Minimum credit score is 620. The financials tend to work best for those homeowners with little mortgage debt (0-30%).

How long can I lease back my home?

You can stay for as long as you like as long as you make your rent payments and are not otherwise in default under the lease. We require a minimum of a 1-year lease.

Subscribe now to get notified when Figure Home Advantage is available in your area.

Subscribe now to get notified when our program is available in your area. All we need is your primary home address and email information.

© 2019 Figure Technologies, Inc.

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    San Francisco CA, 94108
  • 888-819-6388
    Not for use by New York borrowers
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Figure Property Corp.

Figure Home Equity Loan PLUS is available in CA with more states to come.

Equal Housing Opportunity Equal Housing Opportunity

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

1 Our APRs range from 4.99% to 12.75%. The lowest APR is only available to consumers with excellent credit. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Loan Plus with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-3% of your initial draw depending on the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status.

2 Approval in 5 minutes and funding in 5 days is based on a typical customer experience for properties located in counties that permit e-signatures and e-recording. Actual funding times may vary. Due to state law, funding in 5 days is not applicable to first lien loans secured by owner-occupied properties in Vermont.

3 Home values and price appreciation are estimates based on our assessment of independent data sources and automated valuation models (AVMs).
5 You should consult a tax advisor regarding the deductibility of interest and charges to your Home Equity Loan Plus.
6 Sources: Credit card, Personal loan, Traditional Home Equity

*State and city home valuation appreciation rates are based on Zillow home value estimates (,

One click to find your rate - it won’t affect your credit score.

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