{"id":601,"date":"2026-03-20T20:20:11","date_gmt":"2026-03-20T21:20:11","guid":{"rendered":"http:\/\/www.ozelegitimakademi.org\/?p=601"},"modified":"2026-04-21T16:04:18","modified_gmt":"2026-04-21T16:04:18","slug":"6-best-home-equity-sharing-companies-in-2026","status":"publish","type":"post","link":"http:\/\/www.ozelegitimakademi.org\/index.php\/2026\/03\/20\/6-best-home-equity-sharing-companies-in-2026\/","title":{"rendered":"6 Best Home Equity Sharing Companies in 2026"},"content":{"rendered":"

A home equity agreement or investment (HEA or HEI) is a unique strategy to leverage the equity you have in your home instead of taking on more debt. Although many people don\u2019t know about them, home equity sharing companies give you a lump sum with almost no upfront costs in exchange for a share of your home\u2019s future value. Plus, you can use the money for a variety of reasons, like growing your real estate business, investing in more properties, improving your home, or paying off debt.\u00a0<\/p>\n

I\u2019ve saved you some time finding the right option \u2014 here are my top picks for the best home equity sharing companies.<\/p>\n\n\n\n\n\n\n\n\n\n\n
Provider<\/th>\nBest for<\/th>\nMinimum credit score<\/th>\n<\/tr>\n<\/thead>\n
Point<\/a><\/td>\nInvestment property owners<\/td>\n500<\/td>\n<\/tr>\n
Hometap<\/a><\/td>\nTracking your home equity investment<\/td>\n500<\/td>\n<\/tr>\n
Unlock<\/a><\/td>\nLow credit scores or unconventional income<\/td>\n500<\/td>\n<\/tr>\n
Splitero<\/a><\/td>\nMost flexible timeline<\/td>\n500<\/td>\n<\/tr>\n
Unison<\/a><\/td>\nMost widely available<\/td>\n680<\/td>\n<\/tr>\n
EquityChoice<\/a><\/td>\nMost predictable interest rates<\/td>\n680<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/p>\n

The Close\u2019s top picks for the best home equity sharing companies<\/h2>\n\n\n\n\n\n\n\n\n\n\n
Home Equity Sharing Company<\/th>\nHome Equity Investment (HEI) Terms<\/th>\nAvailability<\/th>\nMinimum credit score<\/th>\n<\/tr>\n<\/thead>\n
Point<\/a><\/td>\n\n
    \n
  • Get up to $30,000-600,000 or up to 20% of your home\u2019s value<\/li>\n
  • Flexible 30-year term<\/li>\n
  • Receive funding in as little as 3 weeks<\/li>\n<\/ul>\n<\/td>\n
25 states + D.C.<\/td>\n500<\/td>\n<\/tr>\n
Hometap<\/a><\/td>\n\n
    \n
  • Up to $600,000 or 25% of the home\u2019s equity in as little as 3 weeks<\/li>\n
  • Funding is available within 4-7 business days of signing the agreement<\/li>\n
  • Investment term between one and ten years<\/li>\n<\/ul>\n<\/td>\n
17 states + D.C.<\/td>\n500<\/td>\n<\/tr>\n
Unlock<\/a><\/td>\n\n
    \n
  • Get up to $50,000-500,000<\/li>\n
  • 10-year term<\/li>\n
  • Receive funding in 30-60 days<\/li>\n<\/ul>\n<\/td>\n
19 states<\/td>\n500<\/td>\n<\/tr>\n
Splitero<\/a><\/td>\n\n
    \n
  • Get between $50,000-500,000, up to 25% of your home\u2019s value<\/li>\n
  • Flexible terms between 10-30 years<\/li>\n<\/ul>\n<\/td>\n
13 states<\/td>\n500<\/td>\n<\/tr>\n
Unison<\/a><\/td>\n\n
    \n
  • Get between $30,000-500,000 or up to 15% of your home\u2019s value<\/li>\n
  • 10-30 year term<\/li>\n<\/ul>\n<\/td>\n
29 states + D.C.<\/td>\n680<\/td>\n<\/tr>\n
EquityChoice<\/a><\/td>\n\n
    \n
  • Get up to $500,000<\/li>\n
  • 10-year term<\/li>\n
  • Receive funding in two to six weeks<\/li>\n<\/ul>\n<\/td>\n
19 states<\/td>\n680<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/p>\n

Point: Best for investment property owners<\/h2>\n\n\n\n\n\n\n
\"Point<\/th>\n<\/tr>\n<\/thead>\n
Pros<\/strong><\/p>\n
    <\/p>\n
  • No prepayment penalties<\/li>\n

    <\/p>\n

  • Available in 25 states<\/li>\n

    <\/p>\n

  • Minimal credit score and income requirements<\/li>\n

    <\/p>\n

  • Extremely highly rated (A+ BBB and 4.7 on Trustpilot)<\/li>\n

    \n<\/ul>\n<\/td>\n

Cons<\/strong><\/p>\n
    <\/p>\n
  • Must get a home appraisal by a third party<\/li>\n

    <\/p>\n

  • 3.9% processing fee upon closing<\/li>\n

    <\/p>\n

  • Undefined third-party fees, like the appraisal, escrow, and government fees<\/li>\n

    \n<\/ul>\n<\/td>\n<\/tr>\n

Terms<\/strong><\/p>\n
    <\/p>\n
  • Get up to $30,000-600,000 or up to 20% of your home\u2019s value<\/li>\n

    <\/p>\n

  • Receive funding in as little as 3 weeks<\/li>\n

    <\/p>\n

  • Free application<\/li>\n

    <\/p>\n

  • Flexible 30-year term<\/li>\n

    \n<\/ul>\n<\/td>\n

Eligibility<\/strong><\/p>\n