Best Home Equity Investment Companies in 2026

Point is our first pick for homeowners who want time. Its term runs up to 30 years, which gives far more room to sell, refinance, or buy out the agreement than a 10-year term, and its headline amount reaches up to $600,000. Point also accepts single-family homes, condos, townhomes, small multifamily properties, second homes, and investment properties, which covers more situations than firms that only serve owner-occupied homes.

The cost is not a simple interest rate. Point charges a fee deducted from funding, and it receives an agreed share of the home's value at settlement, so a strongly rising market raises the total cost. Get the fee, the starting value, the share, and any cap in writing, and compare that total against a HELOC or home equity loan for your expected time horizon. This is general information only, not financial advice.

Hometap suits homeowners who need a large lump sum and can plan an exit within 10 years. Its headline amount also reaches up to $600,000, tied with Point for the largest in this list, and its online process gives an estimate based on your home value and equity. Funding can arrive within weeks of signing in many cases, though timelines vary by appraisal and paperwork.

The 10-year term is the main limit. You must sell, refinance, or buy out the agreement by the end of that term, so Hometap works best when you already have a plausible exit, such as a planned move or a future refinance. Hometap charges a fee deducted from funding, and its share of appreciation is set in the offer, so read the settlement math carefully before you accept.

Unison is the availability pick, because it operates in more states than most firms in this category, which matters when a homeowner's state rules out other options. Its term runs up to 30 years, and its headline amount reaches up to $500,000, which gives a long runway for homeowners who plan to stay put. Unison also offers a home equity investment for buyers in some programs, though this article focuses on existing homeowners.

Unison's minimum credit expectations are higher than firms that accept scores from 500, so check eligibility before you spend time on an application. As with every firm here, the fee is deducted from funding and the appreciation share is the real long-term cost. Compare Unison's offer on the same home, same amount, and same horizon as any rival offer, since headline terms alone do not show total cost.

Unlock Technologies, often listed simply as Unlock, suits homeowners who want flexibility to exit early. Its agreements allow early buyout in many offers without a prepayment penalty, which helps if your plans change, you sell sooner than expected, or you want to refinance on your own timeline. Headline amounts reach up to $500,000, and the firm accepts lower credit scores than some rivals.

The term is 10 years, so an early exit option does not remove the need for an exit plan by the end of that period. Unlock charges a fee deducted from funding, and its share of appreciation is set in the individual offer. For a homeowner who values the freedom to settle early, Unlock is worth comparing, but only after you see the full settlement math in writing.

Splitero suits homeowners who want to choose a term that matches their plans, rather than accepting a single 10-year or 30-year default. Its terms range from 10 to 30 years, and its headline amount reaches up to $500,000, with no monthly payments during the term. That flexibility helps a homeowner who plans to stay for 15 or 20 years and does not want to rush a sale or refinance to meet a shorter deadline.

The cost structure needs careful reading, because Splitero uses a cap on annualized cost in many offers, and the effective cost rises with home appreciation. A longer term can also mean a larger appreciation share at settlement, so a 30-year term is not automatically cheaper than a 10-year term. Get the cap, fee, and share in writing, and model settlement at several home values before you sign.

Nada stands out for fee transparency, because it publishes ranges for title, inspection, valuation, notary, recording, underwriting, processing, and origination costs, with total closing costs often in the range of 4 to 7 percent of the agreement amount. That detail helps a homeowner see why the cash received is less than the headline amount, and it makes it easier to compare Nada with a rival that publishes less detail. Nada also allows settlement at any time during its 10-year term, with no early settlement fee in many offers.

The term is 10 years, and Nada serves a smaller set of states than Unison, though it covers states that some larger firms do not. Homes must meet a minimum appraised value to qualify, so check that threshold early. For a homeowner who values clear fee disclosure, Nada is a strong comparison point, even if another firm wins on term or amount.

EquityChoice suits homeowners who want a straightforward 10-year agreement with a clear settlement path. Its headline amount reaches up to $500,000, and its structure emphasizes predictability in fees and settlement terms, which helps a homeowner who dislikes surprises at closing. Like other firms here, it charges a fee deducted from funding and receives a share of the home's value at settlement.

EquityChoice expects higher credit scores than firms that accept scores from 500, so eligibility is a first check. Availability is also narrower than Unison, so confirm that your state is covered before you apply. For a homeowner with stronger credit who wants a clean 10-year agreement, EquityChoice is worth including in a three-way comparison with Hometap and Nada.