Best Home Equity Sharing Companies of June 2025

Home equity sharing is a popular method for homeowners to access cash without taking out a traditional loan. By selling a portion of their home’s future equity to an investor, homeowners can receive a lump sum payment in exchange. This provides a way to tap into the equity they’ve built up over time without incurring debt or making monthly payments.

There are several key players in the home equity sharing industry, each offering unique terms and benefits. Point, for example, stands out as a top choice due to its wide availability, low upfront fee, and flexible repayment terms. With a 30-year payoff term, Point offers homeowners plenty of time to repay their investment.

Another noteworthy company in the home equity sharing space is Hometap. Known for offering the highest loan amounts among its competitors, Hometap allows homeowners to access up to $600,000 of their home’s equity. With a minimum credit score requirement of 500, Hometap is accessible to a wide range of borrowers.

Unlock is another top pick for homeowners looking to leverage their home’s equity. With a low minimum credit score requirement and the ability to access equity in various property types, including rental properties and second homes, Unlock offers flexibility and convenience to borrowers.

Unison is a great option for homeowners with excellent credit scores. With a below-market interest rate and the ability to access up to $400,000 in equity, Unison provides a unique solution for those looking to tap into their home’s value without taking on additional debt.

Splitero rounds out the list of top home equity sharing companies, offering fast approval decisions and flexible investment terms. With the option to defer repayment until the end of your main mortgage term, Splitero provides a convenient way for homeowners to access their equity.

Overall, home equity sharing agreements can be a valuable tool for homeowners looking to access their equity without the constraints of traditional loans. By carefully considering the pros and cons of each company and understanding the terms of the agreement, homeowners can make informed decisions about leveraging their home’s equity for financial needs.