Access your home equity without selling your home.
No loans. No monthly payments. No kidding.
We provide homeowners with a smart new loan alternative for tapping into their home equity without taking on debt. We invest alongside you, providing cash today in exchange for a share in your home’s future value. Settle any time within 10 years.
The Hometap Investment process is simple, straightforward, and transparent and can take as little as three weeks.
Here’s How It Works:
You request an Estimate
You request an Investment and find out if you prequalify in a matter of seconds.
Ready Now? Get an Estimate.
We prepare the numbers
Based on the information you provide, we’ll prepare an Investment Estimate for your property and assign you to a dedicated Investment Manager to assist you throughout the process.
You fill out an application
If it’s a mutual fit and you decide to apply, you’ll complete a short online application.
We finalize your offer
We’ll order a third-party home appraisal to determine the value of your home. Based off of this data, combined with the information in your application, we’ll prepare an investment offer.
We schedule a signing together
Once you accept our investment offer, together we’ll schedule the signing.
We wire funds
A few days after you close, we’ll wire you the funds in exchange for a Hometap Investment in your home.
You relax and enjoy!
You use the funds however you choose, while continuing to live in your home – enjoy it, take care of it, keep current on your obligations and make good memories.
You settle the investment
You sell or settle the investment before the end of your 10-year term. Hometap is paid our agreed-upon share
Use your home equity proceeds to achieve your goals…
RENOVATE YOUR HOME
Stay in the community you love while building your dream home.
PAY OFF DEBTS
Put your money into your future, not your past purchases, by paying down debt.
BUY A SECOND PROPERTY
Let your equity fund your vacation home, rental property, or second home.
INVEST IN YOUR BUSINESS
Add some financial security to your business while in growth mode.
LIVE COMFORTABLY IN RETIREMENT
Make your home more accessible or take that dream vacation.
FUND AN EDUCATION
Give yourself or your child the gift of college without the burden of student loans.
GET EMERGENCY FUNDING
Pay for emergency expenses quickly without adding debt.
FUND YOUR FAMILY
Cover the costs of your growing family.
DIVERSIFY YOUR PORTFOLIO
Achieve your financial goals with the help of your home equity.
Hometap is making Home Equity Investments in the following states (with more to come!):
Arizona, California, Florida, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Utah, Virginia, Washington.
"The Hometap route was attractive because of no ongoing payments… accessing the equity in a timely manner without tacking on additional monthly obligations."
Litchfield Park, AZ
"I was able to eliminate all my debt, increase my credit score by lowering DTI, and am using the additional money to create a rental space on my property."
Los Angeles, CA
"Our home’s value has already increased, and the projects are paid off in full. It was a pleasure to talk with someone who was actually interested in helping us and who understood our goals. "