The largest asset on the balance sheet, finally in the plan.
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.
- The trigger
- A client needs liquidity for a goal in the plan, and the balance sheet says the money is in the house. Every conventional route adds debt service or triggers a sale.
- What it costs you
- The goal gets deferred, the client funds it badly somewhere else, and the plan you built loses the moment it was built for.
- Who this covers
- Financial advisors · Wealth managers · Insurance agents
This is not a Barastone problem. It is a financing problem you inherited.
Deferred
Settlement does not compete with plan cash flow
Settlement falls at sale, refinance or the end of the Investment Period rather than while the plan is running.
Product mechanics — see How it works
Home-based
Eligibility centred on the home
Review centres on the property and its equity position rather than on a minimum credit score.
Product mechanics — see How it works
Licensed
Built for licensed introducers
Advisors and agents participate under the neutrality and disclosure terms in their partner agreement. Barastone carries the product, the disclosures and the servicing.
Partner agreement
Run your own numbers.
What your business is losing at the financing step today, using your figures.
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.
An introduction, not a product you carry
You never sell, place or service the agreement. The client works with Barastone directly, and the plan gets the liquidity it needed.
PhotographyAdvisor and client at a kitchen table with a plan document and a laptop. Real household, working light.
Your role ends at the introduction. Ours starts there.
Who carries what, line by line.
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
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.
Home 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.
Real 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.
Mortgage & 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.