smarts.co
✓Independent comparison · 25,000+ homeowners
Free Estimate · 30 Seconds
See How Much Cash You Can Pull From Your Home Equity (No Monthly Payments)
Free 30-second estimate. No credit check, no obligation, no salespeople calling. Used by 12,000+ homeowners this month.
$2B+Funded to homeowners
25,000+Homeowners funded
4.8★Average rating
Estimate Your Tappable Equity
Slide to your numbers. We'll calculate how much cash you could access without a monthly payment.
Estimated home value
$450,000
$100K$2.5M$5M
Mortgage balance remaining
$200,000
$0$2M$4M
ZIP code
Optional
Your estimated HEI advance
$67,500
HEI providers typically advance $45,000 to $90,000 of your equity, depending on your home, credit, and provider.
✓ Verified
"$90K in credit cards at 26% APR was eating $2,400 a month in minimums. Took a Hometap. Paid off every card. I'm completely out of debt. It's an amazing feeling."
Credit score went from 640 → 779 after paying off the cards
See your real Hometap offer
That estimate is the math. The real offer accounts for your zip, credit, and home condition. Free, 30 seconds, no credit pull.
- Real offer from Hometap based on your specific home
- Plus a 17-day breakdown by email: HEI vs HELOC vs refi
- Which provider fits your equity + credit profile
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Quick comparison: 3 ways to tap home equity
HEI (Home Equity Investment)
$0 monthly payment
No interest
Settle in 10 years or at sale
Share future appreciation
No interest
Settle in 10 years or at sale
Share future appreciation
HELOC (Line of Credit)
$800-$1,800/mo typical
8-10% variable interest
10-year draw, 20-year repay
Foreclosure risk if miss
8-10% variable interest
10-year draw, 20-year repay
Foreclosure risk if miss
Cash-Out Refi
New full mortgage payment
6-8% fixed interest
30-year term resets
Closes existing mortgage
6-8% fixed interest
30-year term resets
Closes existing mortgage