x Close

Hometap is an investor, not a lender

Access your home equity without selling your home.

We provide homeowners with a smart new loan alternative for tapping into their home equity without taking on debt. We invest alongside homeowners, providing cash today and participating in the proceeds at the time of sale.

The Hometap Investment process is simple, straightforward, and transparent and can take as little as 3 weeks.


Image of family packing boxes into cargo area of station wagon.

Simple. Straightforward. Transparent.

Here's How It Works:

  1. You request an Estimate

    You request an Investment and find out if you prequalify in a matter of seconds.

    Ready now? Get an estimate.

  2. 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.

  3. You fill out an application

    If it’s a mutual fit and you decide to apply, you’ll complete a short online application.

  4. 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.

  5. We schedule a closing together

    Once you accept our investment offer, together we’ll schedule the closing.

  6. We wire funds

    A few days after you close, we’ll wire you the funds in exchange for a Hometap Investment in your home.

  7. 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.

  8. Home-Page-Images

    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.

Find out if Hometap is right for you.

Take our 5-minute quiz to see if a home equity investment is a good fit for you.

Is Hometap right for me?


So what exactly does Hometap do?

Hometap is a way for homeowners to be paid today for equity they’ve accumulated in their property - without getting a loan. We invest alongside homeowners, providing cash today and participating in the proceeds at the time of a sale.

What's the difference between Hometap and a loan?

Unlike a lender, we receive no monthly payments or guaranteed return on the money we’ve invested. For some, taking an equity investment can be an intelligent way to fund the opportunities and needs that come up in life while eliminating the “debt-stress” of increased monthly payments.

Who can use Hometap?

Because there are a lot of factors that go into determining if Hometap can make an investment in a property, there isn't a black-and-white list of criteria. Each property is evaluated independently. That's why we suggest homeowners start with the Fit Quiz, and then complete an Investment Estimate so that our Investment Managers have the information they need to speak with you about your specific scenario. Some of the things that tend to make homeowners an ideal fit include:

  • Your single-family home or condo is located in a state in which we’re currently operational
  • While we don't have a FICO credit score requirement, homeowners' credit scores are typically above 600
  • You have a minimum of 25% equity in your home
  • You live in your home at least six months out of the year (we do not currently invest in vacation homes)
  • The investment amount you’re looking for is under 30% of your total home value or under $300,000 (this is the maximum amount that we can invest, and it will depend on home value and equity percentage, as well)

How long do I have to settle a Hometap Investment?

The term of a Hometap Investment is 10 years. You can either sell your house during the term or you can buy out our Investment with savings, or by taking out a home equity (or other) loan. We call this Settling the Investment.


View All FAQs

Ready to get started?

See if you prequalify for a Hometap investment in less than 30 seconds.

Get an Estimate