If your home has appreciated and you need cash without adding to your monthly bills, Hometap and Unison lead our 2026 rankings, with Point (4.7/5) and Splitero (4.4/5) filling the gaps they leave. All four give a free estimate with a soft credit check only.
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Quick comparison
Side-by-side look at the top HEI companies for 2026.
*Unison equity share varies by circumstances.
In-depth reviews
Our editors spent 40+ hours evaluating terms, transparency, customer experience, and long-term value.
Hometap
$2B+ invested. 25,000+ homeowners served. Access $15K to $600K with no monthly payments and no impact to your credit score.
- Largest investment amounts, up to $600K
- Available in 20 states
- No monthly payments, ever
- No income requirements, and no impact on your DTI ratio
- Sell or refinance anytime, no exit penalty
- Transparent pricing, no hidden fees
- Not available in all 50 states
- Settlement required at sale or 10-year term end
- Lump-sum settlement, plan your exit
Hometap is the gold standard for home equity investments. With $2B+ deployed to 25,000+ homeowners, they offer the best mix of large investment amounts, transparent pricing, and flexible exit terms. If you need substantial cash without monthly payments, start here.
Point
Credit from 500 and available in more states than anyone else here. No monthly payments, and you choose when to exit over a term of up to 30 years.
- Accepts credit scores from 500
- No income requirements and no monthly payments
- Up to $600K, matching the highest cap here
- 30 states plus D.C., the widest coverage here
- Buy back your equity at any time, no prepayment penalty
- Availability varies by county within listed states
- You share in your home’s future appreciation
- An appraisal or automated valuation is required
Point is the one to check first if credit or location has ruled the others out. A 500 minimum is meaningfully lower than Hometap’s 585 or Unison’s 620, and at 30 states plus D.C. it reaches homeowners neither of the others can fund. You give up a share of your home’s future value in exchange, which is the same trade all of them ask for.
Unison
Industry pioneer since 2006 with the longest 30-year term available. Broad coverage. 22 states plus D.C.
- Longest 30-year term in the industry
- Most states, 24 plus D.C.
- Industry pioneer since 2006
- Up to $500K available
- No monthly payments or interest
- Shares in depreciation, down market protection
- Higher origination fees at 3.9%
- Complex equity share formula
- 5% discount applied to home value at start
- May complicate future refinancing
Unison pioneered the HEI category in 2006 and offers unmatched flexibility with its 30-year term, you're never rushed to sell or refinance. It operates in 22 states plus D.C., and its 620 credit minimum is the highest of the four, so check both before you count on it. Where you do qualify, it is the strongest fit for homeowners planning to stay long-term.
Splitero
Credit from 500 with no income or employment check, and it will take homes held in a trust or an LLC. Fewer states than the leaders, but an easier door to get through.
- 500 minimum credit score, matching the lowest bar here
- No income or employment requirement at all
- Accepts homes held in a trust or an LLC
- Can sit junior to your mortgage, or first if you own outright
- Up to 25% of your home value, more generous than Unison’s 15%
- Only 13 states, well behind Point and Unison
- Does not publish a contract term
- Your home must appraise between $200,000 and $5,000,000
Splitero is the easiest of these to qualify for if income is the sticking point. There is no income or employment check at all, credit starts at 500, and it is the only one here that will look at a home held in a trust or an LLC. The catch is reach: 13 states against Point’s 30, and every state it serves is one Point serves too, so compare the two offers directly.
What Is a Home Equity Investment?
An HEI gives you a lump sum from your home's equity today. No loan. No monthly payments. No interest. In exchange, the company takes a share of your home's future value when you eventually sell or settle. Your mortgage, title, and monthly budget stay untouched.
HEI vs. HELOC vs. Home Equity Loan
Is an HEI right for you?
- ✓ You need cash without new monthly bills
- ✓ You plan to stay 5+ years
- ✓ You want to keep your mortgage rate
- ✓ Credit below what HELOCs require
- ✗ You plan to sell soon
- ✗ Your home is in a fast-rising market
- ✗ You plan to refinance soon
- ✗ You want to convert to a rental
All four are free to check. Soft credit check only, no impact to your score.
See If I Qualify →Everything you need to know before applying.
Which one is right for you?
All four are free to check. Soft credit check only, no impact to your score.
Tap your home equity — $0 monthly paymentsTap your equity — $0/mo
Free estimate in about 2 minutes · Soft credit check only
Before you go
See what your equity is worth — free
Both of our top-rated picks give you a no-obligation estimate with a soft credit check. Neither adds a monthly payment.
