Enter what you know about your situation. This page shows which lenders publish terms that fit it, which publish terms that rule it out, and which have not published enough for the question to have an answer.
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Where a lender has not published enough to answer, this page says so instead of guessing.
When there is no answer
Most lenders do not publish a minimum credit score, a maximum combined loan to value, or the states they lend in. Where a lender has not published something, this page says so rather than filling the gap with a typical figure. That is the less satisfying answer and the only accurate one.
Every figure here carries the date we last checked it, and each lender page shows the source it came from. Nothing on this page is ranked, scored, sponsored or paid for. Our editorial policy explains how we handle information a lender does not publish, and how we make money covers the rest.
Every lender we have documented is listed on our lender pages, with the source and the date behind every figure.
Home equity investments from companies such as Hometap, Point and Unlock have no interest rate or APR and are sold as an alternative to a loan, so they are not part of this comparison. Their published terms are listed separately below, and our guide to HELOCs vs. home equity investments compares them with HELOCs and home equity loans.
Home equity investments
The companies that sell these say they are not loans, and there is no interest rate or APR, so they are not part of the lender comparison above. A home equity investment, also called a home equity agreement, pays you a lump sum now for a share of your home's value later. There is no monthly payment to the company. You repay in one payment when you sell, buy the company out, or reach the end of the term, which the CFPB says is usually 10 to 30 years. The company still records a lien on your home.
The CFPB found the total cost will often be higher than with a HELOC or other home-secured credit. Our guide, HELOC vs. home equity investment, explains how the repayment is worked out and when each option tends to cost less.
3 companies, in alphabetical order, as published on their own websites and read on November 1, 2026. Nothing here is ranked, scored, sponsored or paid for.
| Term | HometapHome equity investment | PointHome equity investment | UnlockHome equity agreement |
|---|---|---|---|
| Most cash available | $600,000Range $15,000 to $600,000. The minimum varies by state, and the maximum depends on home value and equity. Up to 27% of your home's value. | $500,000 or $600,000Conflicting on the company's own pagesPoint's own pages disagree. Its HEI page shows $30,000 to $600,000 in one place and $25,000 to $500,000 in another. Confirm with Point. | $500,000Range $15,000 to $500,000. |
| Company fee | 4.5%Of the investment amount, up to $20,000, plus third-party costs. | Up to 4.9%Conflicting on the company's own pagesWith a $2,000 minimum, per the disclosure printed on Point's HEI pages. Data embedded in one of those pages for search engines says 3.9%. Ask Point for the fee on your offer. | Up to 4.9%Typically 4.9% of your cash from Unlock, subject to state law limits, plus third-party costs. |
| Term | 10 years | 30 years | 10 years |
| Minimum credit score | 575FICO score. | 500 | 500 or 550500 for a single-family home or townhome you live in. 550 for condos, 2 to 4 unit properties, investment properties and second homes. |
| Equity required | 25%Typically a 75% maximum loan to value. | Not published | 30%On a home worth at least $175,000. |
| Cap on what you repay | Not published | Homeowner Protection CapA maximum percentage, calculated annually. The percentage itself is not published on the pages we read. | Annual Cost Limit, typically 19.9%Unlock says it does not compound. |
| How the company's share is set | Share of home valueHometap says it "uses the share of home value model." | Share of the change from an adjusted starting valuePoint says the starting value is "a majority percentage" of the appraised value, and that it shares in the loss if your home falls below that value. | Percentage of the ending home valueA lower value when you settle means a lower payment. The Unlock Percentage is capped at 49.99%. |
| States | 26 statesShow the listAL, AZ, CA, DE, FL, GA, ID, IN, KY, MI, MO, MT, NE, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, UT, VA, WI | Not publishedWe did not find a list of states served. Point says its HEI is a licensed mortgage product in CO, CT, GA, IL, MD, NC, OR, WA and WI. | 25 statesShow the listAL, AZ, CA, FL, HI, ID, IN, KY, MO, MT, NV, NH, NJ, NM, NC, OH, OR, PA, SC, TN, UT, VT, VA, WI, WY |
| Source | Hometap FAQs Hometap How it worksChecked November 1, 2026 | Point Home Equity Investment Point How the HEI works Point LicensesChecked November 1, 2026 | Unlock home page and disclosures Unlock FAQsChecked November 1, 2026 |
HometapHome equity investment
- Most cash available
- $600,000Range $15,000 to $600,000. The minimum varies by state, and the maximum depends on home value and equity. Up to 27% of your home's value.
- Company fee
- 4.5%Of the investment amount, up to $20,000, plus third-party costs.
- Term
- 10 years
- Minimum credit score
- 575FICO score.
- Equity required
- 25%Typically a 75% maximum loan to value.
- Cap on what you repay
- Not published
- How the company's share is set
- Share of home valueHometap says it "uses the share of home value model."
- States
- 26 states
Show the list
AL, AZ, CA, DE, FL, GA, ID, IN, KY, MI, MO, MT, NE, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, UT, VA, WI
Hometap FAQs
Hometap How it worksChecked November 1, 2026PointHome equity investment
- Most cash available
- $500,000 or $600,000Conflicting on the company's own pagesPoint's own pages disagree. Its HEI page shows $30,000 to $600,000 in one place and $25,000 to $500,000 in another. Confirm with Point.
- Company fee
- Up to 4.9%Conflicting on the company's own pagesWith a $2,000 minimum, per the disclosure printed on Point's HEI pages. Data embedded in one of those pages for search engines says 3.9%. Ask Point for the fee on your offer.
- Term
- 30 years
- Minimum credit score
- 500
- Equity required
- Not published
- Cap on what you repay
- Homeowner Protection CapA maximum percentage, calculated annually. The percentage itself is not published on the pages we read.
- How the company's share is set
- Share of the change from an adjusted starting valuePoint says the starting value is "a majority percentage" of the appraised value, and that it shares in the loss if your home falls below that value.
- States
- Not publishedWe did not find a list of states served. Point says its HEI is a licensed mortgage product in CO, CT, GA, IL, MD, NC, OR, WA and WI.
Point Home Equity Investment
Point How the HEI works
Point LicensesChecked November 1, 2026UnlockHome equity agreement
- Most cash available
- $500,000Range $15,000 to $500,000.
- Company fee
- Up to 4.9%Typically 4.9% of your cash from Unlock, subject to state law limits, plus third-party costs.
- Term
- 10 years
- Minimum credit score
- 500 or 550500 for a single-family home or townhome you live in. 550 for condos, 2 to 4 unit properties, investment properties and second homes.
- Equity required
- 30%On a home worth at least $175,000.
- Cap on what you repay
- Annual Cost Limit, typically 19.9%Unlock says it does not compound.
- How the company's share is set
- Percentage of the ending home valueA lower value when you settle means a lower payment. The Unlock Percentage is capped at 49.99%.
- States
- 25 states
Show the list
AL, AZ, CA, FL, HI, ID, IN, KY, MO, MT, NV, NH, NJ, NM, NC, OH, OR, PA, SC, TN, UT, VT, VA, WI, WY
Unlock home page and disclosures
Unlock FAQsChecked November 1, 2026
"Not published" means we did not find it on the pages listed for that company, not that the company has no such term. Fees shown are the company's own fee. Third-party costs such as appraisal, title and recording are extra.
Other companies, with fewer published terms
Splitero
- Term
- At least 10 years, up to 30As long as your senior mortgage, with a 10-year minimum and a 30-year maximum.
- How the company's share is set
- Share of appreciation or depreciation
Splitero's homepage did not publish amounts, fees or credit minimums, and its FAQ page returned an error.
Splitero home pageChecked November 1, 2026
UnisonEquity sharing agreement
- Term
- Up to 30 years
- How the company's share is set
- Share of the change in valueYou repay the original amount plus or minus Unison's share of the change, and may owe less than you received if the value falls.
Unison's FAQ answers did not load when we read its site, so its fees, amounts, credit rules, cap and states are not shown.
Unison home pageChecked November 1, 2026
Before you choose
- Read HELOC vs. home equity investment, with the CFPB's worked example and the pros and cons.
- Work out your equity and CLTV. The companies above ask for 25% to 30% equity where they publish a figure.
- Model a HELOC payment, including the jump when the draw period ends.
- Compare documented HELOC and home equity lenders against your credit score, CLTV and state.