Every other home equity company is trying to reach your customer.We only reach them through you.
Barastone writes, funds, closes and services Home Equity Agreements. We carry the capital, the investment review, the state-by-state disclosures and the servicing for the life of the agreement. What we do not carry, and will not build, is a consumer brand that competes with yours.
This site is written for trade, service and lending professionals evaluating a distribution relationship. It is not an offer to a homeowner.
$11.5T
Tappable home equity in the US
Held by 48 million mortgage holders, averaging $212,000 each.
ICE Mortgage Monitor, June 2025
0.41%
Of it was actually accessed
In Q1 2025 — well below long-term averages. The gap between wealth held and wealth reached has never been wider.
ICE Mortgage Monitor, June 2025
77%
Of Figure’s ~$6B volume ran through partners
168 channel partners, versus roughly $2B direct. The channel model is proven at scale in home equity — just not yet for agreements.
Figure Technology Solutions S-1
2.6x
Partner volume against their own pre-platform baseline
185 partners with eligible 2025 HMDA data originated about 2.6 times the volume their pre-Figure baseline predicted. Measured against each partner’s pre-Figure HELOC activity, grown by the 5.7% increase recorded across non-Figure subordinate-lien lending. Figure closed the quarter with 489 active partners.
Figure Q2 2026 earnings call, via National Mortgage Professional
The deal does not die at the design. It dies at the financing.
Your customer wants to move forward and has the equity. They cannot reach it through conventional lending, and by the time anyone finds that out you have already paid to get them that far.
Dead-deal ledger
Your numbers
- Customers you could not help
- 60
- Revenue not booked
- $1,920,000
- Already spent winning them
- $24,000
Every one of those was a customer who wanted to go ahead. They had the equity and could not reach it, so the project did not happen. The last figure is what you spent finding that out.
Your role ends at the introduction. Ours starts there.
Who carries what, line by line. The third column is the reason a trade business can do this without becoming a lender.
You
Your role begins and ends here.
- Introduce the homeowner
- Share Barastone-approved materials
- Use your tracked link or branded page
Barastone
Everything past the introduction.
- Application intake
- Property valuation
- Investment review and eligibility
- Consumer disclosures, state by state
- Closing and e-notary
- Funding
- Servicing for the full Investment Period
- Settlement at sale, refinance or term end
Nobody asks you to
The reason a trade business can do this at all.
- Fund any part of the agreement
- Carry balance-sheet exposure
- Take an application
- Collect, store or transmit homeowner financial data
- Make an eligibility or investment decision
- Negotiate terms with the homeowner
- Operate compliance or servicing infrastructure
A partner operating solely as a marketing and lead-generation trade or service provider is not required to hold a licence. Partners who do hold a mortgage, real-estate, advisory or insurance licence may participate under additional neutrality and disclosure requirements set out in their agreement.
HomeWealthIQ. Your brand on every homeowner screen.
The white-label system underneath every introduction. Your branded page, your tracked link, and a live view of every deal you have introduced. The homeowner sees your name. Barastone runs everything beneath it.
| Introduction | Project | Introduced | Status |
|---|---|---|---|
| K. Alvarez | Kitchen remodel | Aug 14 | Funded |
| D. Okafor | ADU conversion | Aug 21 | Disclosures |
| M. Chen | Primary bath | Aug 28 | Review |
| R. Whitfield | Whole-home | Sep 03 | Intake |
Illustrative interface · demo data
Your branded page
Hosted page and embed widget in your logo and colours. From the first click to the closing table, it reads like your product.
Your tracked link
The only door into an agreement. Every introduction is attributed to you, from the first click to the funded deal.
Live deal statuses
Intake, review, disclosures, funded. You know where every introduction stands without chasing anyone for an update.
Partners only. By design.
Anyone can promise not to compete with you. We built a company that cannot. Wholesale only is not a stage we are at — it is the design, and our mission is making the businesses closest to the homeowner the distribution layer for Home Equity Agreements.
01
We do not advertise to homeowners
No consumer acquisition spend, no comparison-site listings, no retargeting the customer you introduced. The homeowner does not arrive at Barastone by searching for us, because we are not there to be found.
02
There is no application on this website
Look for it. There is no application on this site. The only route in is a partner’s tracked link or branded page.
03
The relationship stays where it started
You introduce, we do the regulated work, and the homeowner remains your customer. Every established provider in this category is direct-to-consumer, which is precisely why they cannot make this commitment.
Five businesses, one moment in the conversation.
The transaction underneath is identical every time. What differs is the trigger event, the size of the job, and the pressure the industry is already under.
Solar & home energy
Residential solar lost both of its financing pillars inside a single year. Installers are being told to find alternatives. Home equity is the alternative most of their customers already have.
Typical system value $25,000 - $40,000
Read the caseHome improvement & renovation
Kitchen and bath remodelers, ADU builders, general contractors and home service franchises lose finished designs at the financing step. The equity is usually already there.
Typical project value $30,000 - $200,000
Read the caseReal estate professionals
Agents and brokers sit across from equity-rich, cash-poor owners every week: the pre-sale renovation, the stay-or-sell conversation, the client who needs their equity working before the sign goes in the yard.
Agents · Brokers · Teams
Read the caseMortgage & lending professionals
You already acquired the customer. A decline on a HELOC or a cash-out refinance sends them out of the branch and, often, out of the relationship.
Typical amount the customer was seeking $50,000 - $150,000
Read the caseFinancial, wealth & insurance advisors
For most clients, home equity is the largest asset in the household and the only one the plan cannot reach. An introduction puts it to work without a sale.
Financial advisors · Wealth managers · Insurance agents
Read the caseWhat happens after you apply.
Four steps to your first introduction.
01
Apply
Tell us the business, the trade and the states you work in.
One form
02
Agreement
We issue your Platform Partner agreement. You e-sign it; Barastone countersigns.
Timing to confirm
03
Credentialing
A short walkthrough of what you may say, what you must not, and how the hand-off works. Approved materials are issued at the end of it.
Timing to confirm
04
Introduce
Your branded page and tracked link go live. The first homeowner you introduce goes straight to Barastone.
Same day
The next customer you lose at financing is already in your pipeline.
Apply to become a Platform Partner, sign your agreement, and start introducing homeowners to the Home Equity Agreement.
Become a Platform Partner