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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply For Noah

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How to apply

Requirements

To qualify for a home equity investment with Noah, you and your property must meet specific criteria:

  • Property: single-family residential units, condominiums, and townhouses;

  • Location: CA, CO, MA, NJ, NY, OR, UT, VA, WA, or D.C;

  • Credit score: at least 580;

  • Credit report: no multiple 60-day or 90-day delinquencies;

  • Home value: $175,000 – $3.5 million;

  • Home equity: at least 15% equity;

  • Income: enough verifiable income or savings to cover outstanding debt;

  • Debt-to-income: 60% or less. If more, Noah's investment must be used to pay off debt.

Application details

To apply for a Noah home equity sharing agreement, go to the company's website. You'll then receive your estimate, and if it satisfies your requirements, you can move on to the entire online application.

Here's how the procedure works from the start to the end:

  1. Fill out the form on Noah to receive an investment estimate;

  2. Fill out the entire online application and upload any relevant documentation;

  3. Get your house evaluated. Noah will base the worth of your investment on this;

  4. Sign your agreement and get your money.

Once you provide your home address, mortgage balance, and credit score through their online portal, Noah will instantly let you know if you've been pre-approved and the maximum investment amount you may be eligible for.

FAQ

Does Noah verify income?

Yes, Noah verifies income. You must have sufficient verifiable income or savings to cover your outstanding debts.

Does Noah affect credit score?

Eligibility checks don't affect credit. If you apply for Noah Down Payment Assistance, you'll consent to a hard credit draw, which could affect your credit score. Noah doesn't report homeownership to credit bureaus because it's an investment, not a loan.

Is Noah a direct lender?

Noah becomes a kind of investor in your house. The company pays you a lump sum for a share of the home's future value. Then, after ten years, you buy out Noah's investment by selling the house, refinancing it, or using money from your savings.

Calculate loan payments in Noah

Noah calculator will allow you to calculate an approximate payment schedule for the loan

Noah calculator
Interest rates are given in accordance with the rates of the Noah of 21.05.2024
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