Which is better: Splitero, Hometap or Point?
Short answer
Choose Splitero for the lowest credit floor with a published cap and up to 30 years. Choose Hometap for lower fees on big amounts, more property types and 26 states. Choose Point for the lowest upfront fee, 30-year terms and the widest coverage (30 states plus D.C.).
| Feature | Splitero | Hometap | Point |
|---|---|---|---|
| Upfront fee | 4.99% (min $1,500) | 4.5% (capped at $20,000) | Up to 3.9% (min $2,000) |
| Published cost cap | 17.99%/yr, compounded monthly | 18.5%/yr, compounded monthly | 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) |
| Term | 10–30 years (Maturity Match) | 10 years | 30 years |
| Min. credit score | 500 | 585 | 500 |
| Equity needed | More than 25% | 25% minimum | Keep ~27% after funding |
| States | 17 | 26 | 30 + D.C. |
| How you repay | Share of future home value | Share of future home value | Original amount + share of change in value |
Splitero vs Hometap vs Point (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
- Equity needed
- More than 25%
- States
- 17
- How you repay
- Share of future home value
Compare with Hometap and Point
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
- Equity needed
- 25% minimum
- States
- 26
- How you repay
- Share of future home value
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
- Equity needed
- Keep ~27% after funding
- States
- 30 + D.C.
- How you repay
- Original amount + share of change in value
Best for…
| If you… | Best fit |
|---|---|
| Have credit between 500 and 584 | Splitero or Point |
| Need more than 10 years | Splitero or Point |
| Want a published worst-case ceiling | Splitero (17.99%) or Hometap (18.5%) |
| Need less than $50,000 | Hometap |
| Own a rental or vacation home | Hometap |
| Live outside Splitero's 17 states | Point or Hometap |
Head-to-heads: Splitero vs Hometap and Splitero vs Point.
Comparing your options?
Before you give up a share of your home's future value, see what a personal loan could look like for a smaller amount.
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.
