Forward Protect
No loans, no monthly payments, and no taxes
Flexible solution when insurance isn’t enough
Useful for rebuilding or as gap financing
A simple approval process focused on your home's value, not your income
How it works
Forward Protect allows you to rebuild faster by accessing your home’s equity without monthly payments.
1
Apply online
It’s free, fast, and easy. See if you prequalify in just a few minutes.
2
Schedule a call
Get a custom offer based on your home's value and equity.
3
Experts review your use case
Once approved, get cash in as little as 3 weeks*.
4
Receive your funds
Begin planning your rebuild while keeping your financial independence.
5
Rebuild together
We grow with you as you rebuild— with up to 10 years, or until you sell, to settle your Forward Protect.
Fire rebuild options
Immediate Cash Access
Long-Term Profit Potential
Financial Risk
Time Commitment
Control Over Home Design
Forward Protect
No monthly payments
Partial appreciation
No debt
Quick funding
Full control
Construction
Loan
Loan with payments
Full appreciation
Loan risk
Active involvement
Full control
Sell Burn Lot
Immediate payout
None
No risk
Immediate Exit
No control
Developer Joint Venture
Payment after completion
Profit-sharing potential
Developer-dependent
Long-term process
Limited control
Forward Protect HEI
A Home Equity Investment (HEI) allows you to access your home’s equity without taking on new debt. Instead of a loan, you receive a lump sum in exchange for a percentage of your home's future appreciation.
Advantages
No monthly payments: Unlike a loan, you don’t have to make ongoing payments.
Keep it in the family: Avoid liquidating your kid’s inheritance for pennies on the dollar.
Flexible funds: Can be used for rebuilding, temporary housing, or other expenses.
No income or credit requirements: Easier approval process, especially if you have limited income post-disaster.
Considerations
You share a portion of future home appreciation with Forward.
Typically best for homeowners who plan to stay in their rebuilt home long-term.
If your home value appreciates significantly, the cost of the HEI may exceed the cost of a loan.
Construction Loan
A Construction Loan is a short-term loan specifically for financing the rebuilding or construction of a home. It often converts into a permanent mortgage once the home is completed.
Advantages
Full control over rebuilding: You decide how the home is designed and built.
Potentially higher return on investment: If home values increase, you keep all appreciation.
Can roll into a traditional mortgage: Converts into a standard home loan once construction is complete.
Keep it in the family: Avoid liquidating your kid’s inheritance for pennies on the dollar.
Considerations
Requires strong credit & income: You must qualify for the loan, and payments start immediately.
High upfront costs: Permitting, contractor payments, and contingencies must be considered.
Expensive monthly payments: Construction loans can be expensive, especially in a high-interest rate environment.
Risk of overbudgeting: Construction projects often run over budget and may require additional funding.
Selling Your Lot As-Is
If you don't want to deal with the complexities of rebuilding, you can sell the land and walk away.
Advantages
Immediate cash payout: No waiting for construction; you get paid upfront.
Considerations
Lower payout compared to rebuilding: You might sell at a discount, especially if the lot is damaged.
Miss out on potential appreciation: If the local market recovers, you won’t benefit from the rising property values.
Tax burden: You will have to pay capital gains taxes.
Joint Venture with a Developer
A joint venture (JV) with a developer means you contribute your land in exchange for a portion of the proceeds or ownership in the new development.
Advantages
No out-of-pocket costs: The developer funds the construction.
Profit-sharing potential: If structured well, you can earn far more than selling outright.
More control than selling: You can negotiate terms regarding design and development.
Considerations
Complex negotiations: Requires legal agreements, defining how profits are split.
Time-consuming: Projects can take years to complete.
Potential loss of control: The developer makes most key decisions, and your share of the profits may be lower than expected.
Why choose Forward Protect?
Maintain ownership
Live in your home as long as you want with full control of your property.
Keep assets in the family
Tax-free funds to support you and your family's future wealth.
Simple qualification
Qualify based on your home’s value, not your income or credit score.
No interest
Repayment happens through a small share of future appreciation.
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.”
The Williams Family
Newton, MA
“We compared Forward Advance to a HELOC when we wanted to help our daughter start her business. The no-monthly-payment feature of the Forward Advance really sealed the deal for us.”
FAQ