Wholesale CHAnNEL

Home Equity. Without Monthly Payments.

GROW YOUR BUSINESS WITH SPLITERO. LICENSED IN 13 STATES AND EXPANDING.

Become a partner

THE OFFER

Don't give up on your HELOC and HECM denials. Those homeowners can still access their equity — and you can still be the one who gets them there. You submit the file; Splitero processes, underwrites, and closes it — and both sides of the deal are simple:

Investment amount$50K – $600K

Monthly paymentsNONE ($0)

Term length10 – 30 YEARS

TitleHOMEOWNER KEEPS IT

SettlementAT SALE, REFI, OR BUYOUT

Broker compSTARTS AT 2.5%

HOW ORIGINATORS EXPLAIN IT

“You get cash from your equity today with no additional monthly payments. The application DOES NOT require income or employment verification, and there's no DTI review. Nothing out of pocket — and your payoff is capped, so you're always protected."

THE NO LIST

Everything the industry demands to touch equity. None of it here.

Income / employment docsNOT REQUIRED

DTI checksNONE — RATIOS UNTOUCHED

Credit report tradelineNONE — NOT A DEBT

Interest chargedNONE

Minimum FICO500

Best pricing tierFROM 580

Credit pullONE APPLICANT ONLY

THE SAFETY CAP IN ACTION

Meet the file everyone else declines.

        FILE NO. 540-1M
        FOR ILLUSTRATION
      

FICO540

Home value$1,000,000

First mortgage$500,000

Requested$100,000 (10% of home value)

Monthly payment$0

Time to fund2–3 WEEKS

HELOC (680 MIN)DECLINED

BRIDGE / HARD $ (600 MIN)DECLINED

SPLITERO HEI

APPROVED

EXHIBIT A — SETTLEMENT SCHEDULE AT 3%/YR APPRECIATION

REPURCHASE = LESSER OF  A: 20% × HOME VALUE AT EXIT  |  B: $100,000 × 1.01499^MONTHS

YEARHOME VALUEA: 20% × VALUEB: CAPREPURCHASEEFF. /MO
1$1,030,000$206,000$119,548$119,5481.499%
2$1,060,900$212,180$142,916$142,9161.499%
3$1,092,727$218,545$170,854$170,8541.499%
20 · MATURITY$1,806,111$361,222$3,556,266$361,2220.54%

METHOD A — EQUITY SHARE2.0 × the 10% stake — so 20% of the home's value at exit.

METHOD B — SAFETY CAPThe $100,000 investment compounding at 1.499% per month.

THE RULEThe homeowner repays whichever is less. Years 1–3, the cap does the protecting; by maturity the equity share governs — $361,222 on a home that grew $806,111; the homeowner keeps $1,444,889.

IF VALUES FALLThe door swings both ways: at −3%/yr, the year-20 repurchase falls to $108,759 — when the home is worth less, the payoff is less.

Illustration only; 20-year term; excludes origination and settlement fees.

WHAT QUALIFIES

Rentals qualify. LLCs qualify. Trusts qualify. The files your lenders can’t paper are the ones this program was built for.

Owner-OccupiedNon-Owner-Occupied1–4 Unit MultifamilyLLCRevocable Trust

GEOGRAPHIC COVERAGE

Active licenses across 13 states, with continued expansion underway.

CAAZFLORWANVNJOHPASCTNUTVA

Broker entities must be licensed in every state in which they originate.

BROKER COMPENSATION

From 2.5% of origination.

Your floor on every closed origination.

ORIGINATIONYOUR FLOOR
$100,000$2,500
$250,000$6,250
$400,000$10,000
$600,000$15,000

EXECUTION TIMELINE

SIGNED IN DAYS

Broker Agreement Executed

FIRST DEAL IN TWO WEEKS

Most partners submit within fourteen days of signing.

FUNDED IN THREE

Eligibility Day 1 → funded Days 21–28. Comp paid at closing.

ACCEPTANCE

Ready to start winning with Splitero? Get the partner packet — guidelines, compliance framework, and sample proposals — or book thirty minutes and we’ll walk your first scenario together.

ABRAHAM ORDIA — ACCOUNT EXECUTIVE, SPLITERO WHOLESALE / ABRAHAM.ORDIA@SPLITERO.COM / (619) 775-2255