That's because Restate invented it! We noticed that regular home equity loans (like HELOC) have lots of tricky details and fees, making them quite expensive. We believe that the cost of using your home's value should be fair, so HELOS works by looking at how much of your home's value you own. If you own more, you can afford to pay a bit more, but we set a limit. If you don't own much, you shouldn't have to pay as much.