Access up to 20% of your home's value.
The smart way to share family wealth, with no monthly payments.
Get startedA simple approval process focused on your home's value, not your income
No loans, no monthly payments, no taxes, and no impact on your retirement
Available to homeowners of all ages to help their children get ahead
Flexible qualification, you don't need perfect credit to share your wealth
How it works
With a Forward Advance, you receive cash in exchange for a
portion of your home's future value.
Apply online
It's free, fast, and easy. See if you prequalify in just a few minutes.
Get an estimate
Get a custom offer based on your home's value and equity.
Receive your funds
Once approved, get cash in as little as 3 weeks*.
Gift to your children
Support their dreams, keep your financial independence.
Settle on
your terms
You have up to 10 years or until you sell to settle the Advance.
Forward Access vs. traditional loans
Understand how a Forward Advance compares to traditional lending options when it comes to accessing your home equity to support your children.
Forward | Home equity loan | HELOC | Cash-out refinance | Reverse mortgage | |
|---|---|---|---|---|---|
| No monthly payments | |||||
| No debt-to-income requirements | |||||
| No income requirements | |||||
| Fast funding | |||||
| Age eligibility | |||||
| Flexible qualification criteria |
Why choose Forward Access?
No monthly payments
Get startedMaintain ownership
Live in your home as long as you want with full control of your property.
Smart wealth transfer
Tax-free funds to support your children's major life milestones.
Simple qualification
Qualify based on your home's value, not your income or credit score.
Family finance tools
Help your children track and manage their financial decisions.
Family stories
The Mendosa Family
Queens, NY
“Forward's tools have opened up honest conversations about money in our family. It's not just about the loan, but about building financial responsibility together.”
The Smith Family
Boston, MA
“Forward allowed us to help our daughter buy her first home without touching our retirement savings. It's given us peace of mind knowing we could make a difference in her life today.”