Cornerstone Financing has announced the launch of Prime HEI, a wholesale program enabling licensed mortgage brokers to offer homeowners access to home equity without debt, monthly payments, or interest.
CHEIFS (Cornerstone Home Equity Insurance/Investment Funding Solutions) is the company’s prime, non-debt home equity funding solution, originally built for financial advisors to help fund retirement, insurance, and investment strategies. Growing demand from the mortgage broker community led Cornerstone to expand distribution through Prime HEI — a channel-ready program built specifically for mortgage brokers looking to serve clients who want flexibility without leverage.
Unlike HELOCs, closed-end seconds, and reverse mortgages that carry monthly payment obligations or high upfront costs, CHEIFS provides a third option — a fractional equity investment that allows homeowners to convert a portion of their home's value to cash while retaining ownership and control.
"CHEIFS was designed as a planning solution for the mass-affluent market," said Dan Anderson, co-CEO of Cornerstone Financing. "Mortgage professionals quickly recognized its strength as an alternative to borrowing — a way for clients to access liquidity without disturbing their current mortgage or taking on additional debt. Prime HEI brings that solution directly to the broker community in a compliant, structured way."
Initially rolling out in California, Arizona, and Colorado, Prime HEI empowers mortgage professionals to serve qualified, mass-affluent homeowners seeking liquidity while preserving both cash flow and ownership.
"Prime HEI fills a gap in today's non-traditional home equity financing environment," said Craig Corn, co-CEO of Cornerstone Financing. "Brokers have been asking for a modern, prime HEI alternative to HELOCs and CES — especially for clients focused on preserving liquidity and optimizing long-term wealth. Our cost structure is lower than most HEI products in the market today, which gives brokers and their clients a meaningful advantage."
Approved mortgage brokers gain access to:
- A digital submission and quoting portal via PrimeHEI.com
- Dedicated support from Cornerstone's underwriting team
- Competitive broker compensation, paid directly by Cornerstone
- Prime HEI represents the evolution of the CHEIFS platform — bringing a proven, lower-cost, non-debt HEI solution to mortgage professionals serving financially sophisticated homeowners
