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EasyKnock is a real estate technology company. The company offers three programs for homeowners: Sell & Stay, MoveAbility and ReLease. These programs allow you to access the value of your house without having to move. In some cases, you can even buy your home back or indefinitely renew your lease.
Pros & Cons
- Quick access to money
- No need to move
- Lenient eligibility requirements
- You no longer own the home
- Fees if you buy back or move
EasyKnock is a real estate tech company specializing in home sale-leaseback programs. Sellers quickly receive money and can rent and live in the home. They may be able to repurchase it or use the funds to buy another house.
What is EasyKnock?
EasyKnock differentiates itself from real estate technology companies and banks by building relationships with its sellers. The company’s programs — Sell & Stay, MoveAbility and ReLease — let you access funds based on your home’s equity without first moving out. EasyKnock acts as your landlord after purchasing your house.
EasyKnock buys single-family homes, town homes and certain condos. The company purchases homes at a fair market value determined by a local, third-party, licensed appraiser. The Sell & Stay option and MoveAbility option allow you to receive additional funds if your home appreciates by the time it sells. But you also could lose funds if your home depreciates.
EasyKnock works with a broad range of income types and credit scores. It’s important to note that the repurchase option isn’t available in all states.
How does EasyKnock work?
EasyKnock buys your house at a fair price and rents it back to you. This lets you access the funds you need without you leaving your home. You may receive between 75% and 90% of your home’s equity, depending on the program you choose.
Sell & Stay and MoveAbility homeowners have the option of receiving the home’s remaining balance when it sells. When you're ready, you can put your house on the market with the listing price and agent of your choice.
Since you’ve already received the equity, it matters less how long the home takes to sell. EasyKnock is an option for finding or building your dream home without a bridge loan.
In the meantime, you can lease the home and continue living in it indefinitely. Sell & Stay homeowners in some states have the option to repurchase the home eventually. With the MoveAbility option, you can stay in your home and pay rent for up to 12 months while finding another home, but the lease is nonrenewable.
The company’s programs help reduce your housing bills by handling expenses such as property tax, homeowners insurance and other costs while you rent.
EasyKnock has three programs:
- Sell & Stay is designed for homeowners wanting to access their home’s equity now but who might desire to repurchase their home later. You can tap into as much as 75% (or 85%, in certain cases) of your home’s equity and receive the rest of the balance when your home sells. You can also potentially receive additional money if your house appreciates by the time of sale. This program lets you live as a tenant in the home for as long as you’d like.
- MoveAbility is similar to the Sell & Stay program, except you don’t have the option to buy back your home. You can receive up to 85% of your home’s equity and rent the home for as long as 12 months. MoveAbility leases cannot be renewed.
- ReLease gives you the most upfront cash for your house — up to 90% of the equity — but doesn’t allow you to repurchase your home or receive its appreciation value. However, you can rent the home indefinitely.
As the seller, you’re responsible for traditional closing costs, which are based on your home value and your area’s practices. You also pay EasyKnock at closing for any presale repairs.
As far as your monthly rent, your purchase agreement discloses the amount, so you’ll know before you sign. EasyKnock sets this rate based on rent prices in your area. The company uses an independent third-party analytics vendor to analyze your area’s going rates.
EasyKnock’s Sell & Stay and ReLease programs have annual rent increases of 2.5% or the consumer price index (CPI) — whichever is greater.
EasyKnock’s processing fees depend on which solution you choose. The Sell & Stay and ReLease programs charge a processing fee of 3.75% of the house’s purchase price. MoveAbility charges 3.49% to 3.99% of the purchase price (minimum of $5,000).
Sell & Stay and MoveAbility have an additional annual option fee of about 3% if you sell your house. If you buy back your home under Sell & Stay, the annual fee is also about 3%.
Is EasyKnock a reverse mortgage?
EasyKnock offers residential sale-leaseback solutions. This is when you sell your house to someone or a company and then rent it. It’s a way to get cash for part of your home’s equity without having to leave it.
Where is EasyKnock available?
EasyKnock is available in most states but doesn’t serve every market. It encourages you to fill out a qualification form to find out if EasyKnock is available where you live.
What types of homes qualify for EasyKnock?
EasyKnock only buys single-family houses, town homes and certain condos. Other properties, like mobile homes, multifamily units, commercial units and certain rural parcels, are ineligible.
Who owns EasyKnock?
Jarred Kessler is EasyKnock's founder and CEO.
Is EasyKnock legit?
EasyKnock is a legit company that can help homeowners who need access to their home equity. Whether you’ve hit a rough patch financially or need your home’s value to purchase or build your new dream home, EasyKnock can help.
EasyKnock's credit score requirements aren’t set in stone, so it’s also helpful for those who don’t otherwise qualify for a loan. The purchase process is straightforward, and you receive money quickly. From there, you can continue living in the home as a tenant, move to a new home when you’re ready or repurchase the house when you’re able.
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Reviewed Nov. 27, 2023
The worst, I got my home for 110k, they told me I'd get 80k in repair and 45k of that was to repair home, got behind on rent due to deaths, occurring and these people have not showed one bit compassion, me and my children are gonna be homeless in 2 weeks, and my 18 just had a baby 11/24. People have enjoyed watching me packing my 20 year life. Have enjoy watching my traumatized self experience intentionally tortured me this whole year, enjoy me being transparent just to sound like robots. Tell me get a lawyer but they know I'm unemployed, newborn and it's Xmas, I mean bitter woman who are ridiculously ugly at the soul, I've co-operate so much. I'm only walking away with less than 50k after my 20 year life is sold dec15, someone needs to sue this company.
They have torched me. I have evidence and I'll tell y'all what happens in court on Dec 1st, stay away from this disgusting business. They sound so nice at first but I swear once they got you they will enjoy torching your life. You will regret what you did, please let this business die so all those employees can remember all the cases they destroy all the families. They destroy you. Evil people.
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Reviewed Nov. 16, 2023
I am a real estate broker. EasyKnock is a predatory lending company that has no shame. Google "EasyKnock predatory" for a list of the growing number of lawsuits. As a real estate agent, you would be crazy to recommend this company to your clients. Don't do it. This company should be shut down by the Department of Justice. It's a total scam.
Reviewed Sept. 6, 2023
I will update my review when EasyKnock pays me the tens of thousands of dollars they owe me. I sold them my home in April '23 and they were so quick to close. Once I was a tenant, everything took AT LEAST 2 business days minimum, however, I cannot tell you how many different people were my dedicated contact until they stopped answering my texts, emails, and calls regarding repairs only for me to find out they no longer worked for the company. Selling was arduous. I am glad I had a patient realtor, contractor, and buyer.
Most people don't have to wait 2 business days to find out if their offer was accepted or not. They told my realtor to list the seller as ___ in the paperwork, then later said, no, it needs to say ___. Now, we closed the sale on the 28th, I was told I'd receive the final paperwork from the sale within 5 business days so I can be paid my proceeds, and yet, I'm waiting. Calling just gets you their answering service and emailing takes business days for them to respond. If you like bureaucracy, you'll love EasyKnock.
Reviewed June 15, 2023
I have to agree with the most recent reviewer as well. They sold the home out without our approval and for over $50k less than had been told. What they don't tell you is is that if the so called real estate agent they appoint to each account doesn't sell your home in a certain amount of time they can and will sell it for whatever they want to just to recoup whatever they've got invested. Antwon ** the agent that they assigned to sell our house literally did not show it to one possible buyer.
They simply sold it and marketed it to those companies that advertised we will buy your house type businesses and not once did they even list our house at the agreed on value they had said they were going to which was supposed to be starting at $249k and I have emails stating that and it never was anywhere near that much. Even after more than one appraisal they continue to come up with things to justify why your house isn't selling or why your house isn't worth what they said it was to begin with.
All I know is this is my father and I worked ourselves to the bone our whole lives especially my father and he died this year and he died missing that house and without a home. Because this company who was supposed to help him tap into equity that he had already built up in this house didn't do one thing they had discussed and agreed on ended up costing him everything. And put me and him out on the streets. They served us with a seasoned assistant letter and still to this day refuses to let us speak to their legal department because I really don't think it exist. And I just recently discovered a transcript of all the correspondents between EasyKnock and their partners in this and can prove everything I said here.
Reviewed Jan. 12, 2023
We were assured we would have final selling power. Fell behind on payments but told not to worry about it. Advised them we had an offer to find out they sold from underneath us without informing us for 10000 less than the offer we had received from someone outside their company.
Reviewed Oct. 3, 2022
We sold our home to EK just over a year ago to help with medical debt & due to our family having to become a 1 income household. They were honest from the get-go. ALWAYS answered my calls/questions and returned my calls quickly. We did the Sell & Stay program, and it has been a saving grace for us. They held money back for home repairs, because our house is older, this protected both us and EK to allow for home repairs we hadn't been able to do on our own due to my health. That holdback money was essentially us getting our equity back, just in a different way than a direct pay out to us from the sale.
We still rent from them and are buying our home back in the upcoming year. They have always been kind & easy to work with. And they were super patient with all of my questions during the process...and I had a lot because I was so scared to take the plunge. It was definitely worth it to us! We love EK. And we love even more the peace of mind this option gave us.
Reviewed Feb. 17, 2022
We turned to Easy Knock for a 50k loan early in the pandemic to help our family members who had lost their jobs. The company has been wonderful for us. Low monthly payments and great service. The process was very quick. Cash in hand in about a week. Customer service has been excellent. Prompt email responses. Phone calls when needed. Unexpected repairs to the house have been taken care of quickly. Yes, a high interest rate but when you need money fast and there's equity in your house, Easy Knock is awesome. We were helped tremendously. We would encourage others to look into it, especially when you face a financial crisis.
Reviewed Nov. 30, 2021
Save yourself the trouble and work with your mortgage company. Try consumer counseling or anything else but this.... It sounded good then of course "things changed". My house appraised lower than what she thought and what I "signed" in the beginning and I was told, "Yeah you need 10-12000 plus. By the way we are going to hold back 25,000 for repairs because that's what the inspector said they sent out here," which was not right because we also had someone ahead look and was quoted around 7000, by a contractor....
So yeah, we would have lost our equity plus had to give them 10000 and lose the ownership of the house and lease it at 1154 a month and rent runs around 800 here.... If you can try to work it out, build your credit up and avoid this. Go through a replicable traditional mortgage company... Oh by the way the attorney spit out exactly what just happened before I even got the call... He coached me on what to do.. There are other ways.
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