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Hometap

Mortgage & Lending

Home equity investment company offering homeowners an alternative to traditional loans.

FinTech Home Equity Alternative Lending Residential
Founded
2017
HQ
Boston, MA
Funding
$400M+
Stage
Growth

Overview

Hometap offers homeowners a way to tap into their home equity without taking on monthly payments or interest. Instead of a loan, Hometap makes an investment in the home, sharing in the future appreciation or depreciation when the homeowner settles.

Key Products

  • Home Equity Investment — Access up to 30% of home equity with no monthly payments and a 10-year settlement period
  • Home Value Estimator — AI-powered property valuation tool

What Makes Them Notable

Hometap represents a fundamental rethinking of how homeowners can access their equity. By structuring deals as investments rather than loans, they’ve created a product that doesn’t add to a homeowner’s monthly debt burden — particularly appealing in high-rate environments.