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Best home equity investment companies of 2026
Short answer
The five best-known home equity investment (HEI) companies are Splitero, Point, Hometap, Unlock and Unison. Splitero suits lower credit and long horizons, Point has the lowest fees and widest coverage, Hometap is the most flexible on property type, Unlock allows partial buyouts and Unison fits strong credit.
Splitero: Best for lower credit and long terms
500 credit, no income check, 10–30 years and a published 17.99% cap. Highest upfront fee; 17 states.
Point: Best for low fees and wide coverage
Fees up to 3.9%, 30-year terms, 30 states plus D.C. No published cost cap.
Hometap: Best for flexible property types
Rental and vacation homes may qualify; 4.5% fee capped at $20,000; 10-year term; 585 credit.
Unlock: Best for partial buyouts
Buy back the agreement in pieces; 500 credit; 10-year term.
Unison: Best for strong credit and small shares
3.9% fee and 30-year terms; 620 credit; up to about 15% of value.
Side-by-side comparison
| Feature | Splitero | Hometap | Point | Unlock | Unison |
|---|---|---|---|---|---|
| Upfront fee | 4.99% (min $1,500) | 4.5% (capped at $20,000) | Up to 3.9% (min $2,000) | About 4.5%–4.9% | 3.9% |
| Published cost cap | 17.99%/yr, compounded monthly | 18.5%/yr, compounded monthly | Not published | Not published | Not published |
| Amount | $50,000–$600,000 (max 25% of value) | $15,000–$600,000 (max ~27% of value) | Up to $600,000 (max ~20% of value) | Up to $500,000 | $30,000–$500,000 (max ~15% of value) |
| Term | 10–30 years (Maturity Match) | 10 years | 30 years | 10 years | 30 years |
| Min. credit score | 500 | 585 | 500 | 500 | 620 |
| States | 17 | 26 | 30 + D.C. | 26 | 22 + D.C. |
Major HEI providers (as published; verify with each provider)
Splitero
- Upfront fee
- 4.99% (min $1,500)
- Published cost cap
- 17.99%/yr, compounded monthly
- Amount
- $50,000–$600,000 (max 25% of value)
- Term
- 10–30 years (Maturity Match)
- Min. credit score
- 500
- States
- 17
Compare with Hometap, Point, Unlock and Unison
Hometap
- Upfront fee
- 4.5% (capped at $20,000)
- Published cost cap
- 18.5%/yr, compounded monthly
- Amount
- $15,000–$600,000 (max ~27% of value)
- Term
- 10 years
- Min. credit score
- 585
- States
- 26
Point
- Upfront fee
- Up to 3.9% (min $2,000)
- Published cost cap
- Not published
- Amount
- Up to $600,000 (max ~20% of value)
- Term
- 30 years
- Min. credit score
- 500
- States
- 30 + D.C.
Unlock
- Upfront fee
- About 4.5%–4.9%
- Published cost cap
- Not published
- Amount
- Up to $500,000
- Term
- 10 years
- Min. credit score
- 500
- States
- 26
Unison
- Upfront fee
- 3.9%
- Published cost cap
- Not published
- Amount
- $30,000–$500,000 (max ~15% of value)
- Term
- 30 years
- Min. credit score
- 620
- States
- 22 + D.C.
How we compared them
- Published fees and cost caps
- Minimum credit and equity
- Maximum amount and share of value
- Term length and exit options
- State coverage
Scores and sources are explained in our editorial standards. We are not affiliated with any of these companies.
When none of them fits
If you need less than about $15,000–$50,000, need money within days or don't own a home, a personal loan is usually the more practical tool.
Need less than $50,000, or cash sooner?
A Splitero investment starts at $50,000 and takes weeks to close. If a smaller, faster personal loan fits better, you can request offers here.
Figures checked on November 6, 2026 against Splitero's published terms, its press releases and independent sources. Splitero can change terms at any time — confirm everything in your written offer before signing.
