Best Home Equity Sharing Companies in 2026

Home equity investments have gone mainstream. Multiple companies now offer homeowners cash in exchange for a share of their home's future value — no monthly payments, no interest. But they're not all the same. Here's how the top providers compare.

What Are Home Equity Sharing Companies?

Home equity sharing companies (also called home equity investment or HEI companies) give homeowners a lump sum of cash in exchange for a percentage of their home's future appreciation. When you sell, refinance, or reach the end of the term, you settle by paying back the original amount plus the company's share of any value gained.

The appeal is simple: no monthly payments, no interest, no income requirements. It's a fundamentally different product from a loan.

Our Top 5 Home Equity Sharing Companies

1. Hometap — Best Overall

Hometap has established itself as the leading home equity investment company since launching in 2017. They offer a streamlined process, competitive terms, and broad state availability.

• Investment amount: Up to 15% of home value
• Settlement term: 10 years
• Min credit score: 550
• Min equity: 25%
• Upfront fee: 4.5% + closing costs
• Availability: 17 states + DC
• Time to fund: ~3 weeks
• Best for: Most homeowners — fast funding, strong reputation, transparent process

Hometap stands out for their transparent process and user-friendly experience. Their 10-year settlement window gives you plenty of time, and the 550 credit score minimum opens the door for homeowners who might not qualify for a HELOC.

2. Point — Best for Larger Amounts

Point (formerly Point Finance) offers home equity investments with potentially larger payouts and longer terms than some competitors.

• Investment amount: $25,000–$500,000
• Settlement term: Up to 30 years
• Min credit score: 500
• Min equity: 30%
• Upfront fee: Up to 3.9% + closing costs
• Availability: ~27 states + DC
• Time to fund: 3-5 weeks
• Best for: Homeowners who need a larger amount or want a longer settlement window

Point's 30-year term is the longest in the industry, which reduces the urgency to settle. However, the longer you wait, the more appreciation you'll share — so there's a natural incentive to settle earlier when possible.

3. Unlock — Best for High-Value Homes

Unlock Technologies focuses on providing home equity investments for higher-value properties, offering competitive terms for homeowners with significant equity.

• Investment amount: $30,000–$500,000
• Settlement term: 10 years
• Min credit score: 500
• Min equity: 20%
• Upfront fee: Up to 4.9% + closing costs
• Partial buyout: Yes — unique flexibility to buy back equity during term
• Availability: 13 states
• Time to fund: 4-6 weeks
• Best for: Homeowners who want partial buyout flexibility during the term

4. Unison — Best for Long-Term Flexibility

Unison was one of the pioneers in the home equity sharing space. They offer both "HomeOwner" (equity access) and "HomeBuyer" (down payment assistance) programs.

• Investment amount: Up to 15% of home value
• Settlement term: 30 years
• Min credit score: 620
• Min equity: 20-25%
• Time to fund: 4-6 weeks
• Best for: Homeowners who want the longest possible runway to settle

5. Splitero — Best for Speed

Splitero is a newer entrant that has gained attention for fast processing times and a digital-first approach.

• Investment amount: Up to $500,000
• Settlement term: Up to 30 years
• Min credit score: 500
• Min equity: 30%
• Upfront fee: 4.99% + $500–$1,500
• Availability: ~12 states
• Time to fund: 2-3 weeks
• Best for: Homeowners in eligible states who want fast funding and a long settlement window

Side-by-Side Comparison

How to Choose the Right Provider

Here's a simple decision framework:

1. Check state availability first — Not every company operates in every state. Start by confirming which providers serve your area.
2. Compare how much you can get — Apply to 2-3 companies and compare actual offers. The investment amount can vary significantly.
3. Look at the settlement terms — Understand exactly what percentage of appreciation you're sharing and what happens if your home loses value.
4. Read the fine print on fees — Origination fees, appraisal costs, and closing costs vary between providers.
5. Consider the settlement timeline — A 10-year term means you need a plan to settle sooner. A 30-year term gives more flexibility but may cost more in total appreciation shared.

Our Recommendation

For most homeowners, Hometap is the best place to start. Their combination of low credit requirements (550+ minimum), fast funding (~3 weeks), and transparent process makes them the most accessible option. Apply with Hometap first, then compare with one or two other providers to make sure you're getting the best terms.