Hometap Makes Home Equity Investments More Competitive with Traditional Home Equity Financing

New pricing structure closes the cost gap with traditional home equity financing, while preserving the flexibility and payment-free benefits homeowners want

BOSTON, MASSACHUSETTS – June 16, 2026 – Hometap, the Boston-based financial technology company pioneering home equity financing solutions, announced today a new two-tier pricing structure for its home equity investments (HEIs) that makes it more affordable for homeowners to access the cash that's already theirs, with an all-in cost over 10 years that beats most credit cards and personal loans and compares with a traditional home equity loan or HELOC. With this new structure, Hometap becomes among the most competitively priced home equity investments on the market.

“As rising insurance premiums, property taxes, and other homeownership costs continue to place added pressure on monthly household budgets, homeowners need financial solutions that work for them, not against them,” said Jeffrey Glass, CEO of Hometap. “At Hometap, we believe accessing your home equity should be affordable, flexible, and empowering, and with this updated pricing structure, we're taking a meaningful step toward ensuring more homeowners can benefit from the equity they've built.

The new structure is designed to streamline costs for homeowners: those who settle within the first 5 years are subject to a 1.65x multiplier on their initial investment as a percentage of the home's value, and those who settle after year 5 are subject to a 1.80x multiplier. The updated structure gives homeowners more flexibility for accessing the capital they need for the opportunities and challenges of their life.

Hometap’s cap, a longstanding built-in consumer protection, is now set at 18.5% compounded monthly, ensuring homeowners always know the maximum potential cost of their investment from the beginning. As always, homeowners have the flexibility to settle at any time before the end of their term, with no prepayment penalties. Each of these intentional pricing features speaks to Hometap's belief that financial products should always be designed with the homeowner in mind.

“Our commitment to maturing the home equity investment market means bringing the most accessible product we can to homeowners," said Sarah Dekin, President of Hometap. “With our new pricing, we’ve significantly closed the gap between HEIs and traditional home equity products like HELOCs and home equity loans. When you factor in the flexibility of no monthly payments, this becomes a genuinely compelling option for a much broader range of homeowners.”

This tiered pricing structure builds on Hometap's longstanding focus on homeowner education. Every homeowner works with a dedicated Investment Manager who walks them through personalized settlement scenarios before anything is signed, and has ongoing access to the tools and resources Hometap has developed and refined over the years, including a pricing calculator, pricing guide, and homeowner dashboard, throughout the life of their investment.

For more information, please visit https://www.hometap.com/blog/how-hometap-pricing-works.

About Hometap

Founded in 2017, Hometap is a Boston-based fintech company on a mission to make homeownership less stressful and more accessible. Starting with its industry-leading home equity investment product, the company has helped over 26,000 homeowners across the U.S. access their home equity without having to take on additional monthly payments or sell their home. Hometap expanded its suite of innovative financial products and services in 2022 and introduced a centralized dashboard that allows homeowners to easily track their home equity, receive guidance and support from experts, and protect and grow the value of their home. Learn more at hometap.com.

(1) Based on a full 10-year investment term and assuming average appreciation of 3.25% based on trailing 20 year Case-Shiller Index. Actual pricing, savings and costs may vary based on your home’s value, settlement timing and may be higher than other financing options under higher appreciation scenarios.

(2) The Hometap Cap sets a maximum return of 18.5% per year, compounded monthly ((or lower if required by applicable state law).

(3) See footnote 1. Savings and cost estimates reflect the same assumptions.