Where the score comes from

Each source counts by its number of reviews. Only reviews written by people are scored.

Rating, volume, share of the score, six-month trend and fake-review risk for each source
Source	Rating	Reviews	Weight	6-mo	Fake risk
Trustpilot Imported Trustpilot reviews	4.7	25	100%	—	● Medium

4.7 / 5 overall

25 reviews across 1 scored source

How fake risk works ⓘ

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Trend	Reviews
HometapThis company	4.7 out of 5 (good)	100 out of 100	—	25
eCapital Freight Factoring	4.3 out of 5 (good)	100 out of 100	+39%	1,000
Oodle Car Finance	4.8 out of 5 (good)	100 out of 100	—	1,000
AUTOPAY	4.2 out of 5 (good)	100 out of 100	−19%	618
Bonafide Legal Services	4.7 out of 5 (good)	100 out of 100	—	27

Bottom line: Hometap is #3 of 5 on overall rating in this group.

Hometap FAQ

Quick answers to the questions people ask most.

What is a home equity investment and how does it work?

A home equity investment allows homeowners to access a portion of their home's equity in exchange for a share of the home's future value. Unlike traditional loans, there are no monthly payments required. When you sell your home or at the end of the investment term, you repay the original amount plus or minus a percentage of your home's appreciation or depreciation.

How is this different from a home equity loan or HELOC?

Unlike home equity loans or HELOCs, Hometap's investment requires no monthly payments and no interest charges. Instead, Hometap receives a share of your home's future value change when you sell or at the end of the term. This means your repayment amount can go up or down based on your home's value.

What are the eligibility requirements?

Eligibility typically includes having sufficient equity in your home, meeting income requirements, and having a qualifying credit profile. Your home must be your primary residence and located in a state where Hometap operates. Specific requirements may vary and are determined during the application process.

Which states does Hometap operate in?

Hometap operates in select states across the United States. The available states may change over time as the company expands. You can check current availability by visiting their website or contacting them directly to confirm if your state is covered.

All 15 questions →

How much money can I access through a home equity investment?

The amount you can access depends on factors like your home's current value, existing mortgage balance, and your financial profile. Hometap typically offers investments ranging from a minimum amount up to a percentage of your home's equity. The exact amount is determined during the underwriting process.

How long is the investment term?

Hometap investments typically have terms of several years, during which you can remain in your home without making monthly payments. You can choose to settle the investment early by refinancing, selling, or paying cash. The specific term length is outlined in your investment agreement.

What happens when I sell my home?

When you sell your home, you repay Hometap the original investment amount plus or minus their agreed-upon share of the home's value change. If your home appreciated, you'll pay more than the original amount. If it depreciated, you may pay less, subject to the terms of your agreement.

Hometap reviews & trust report

Hometap has a positive customer experience.

Best for

Where the score comes from

Reputation trend

What people praise & complain about

Top praiseof 23 positive reviews

How it compares

Reviews

Customer reviews (25)

Good communication

Easiest way to get things done with taking out another loan!!

As Advertised! Thank You Hometap!

Eric has been wonderful ad walked me…

Hometap FAQ

What is a home equity investment and how does it work?

How is this different from a home equity loan or HELOC?

What are the eligibility requirements?

Which states does Hometap operate in?

How much money can I access through a home equity investment?

How long is the investment term?

What happens when I sell my home?

Alternatives to Hometap

eCapital Freight Factoring

Oodle Car Finance

AUTOPAY

Bonafide Legal Services

International Card Services

247 Home Rescue

The CrowdTrust Experience⭐

Madison was very patient and…

The process is simple and very quick!

Everyone has been great to work with.

This was an easy and smooth…

The whole process was user friendly

Good experance

Bree was great and answered all my…

Olivia

Jon Barletta - Superior Customer Service

My loan officer was very experienced…

Greg Eddy did an excellent job to get…

I’ve worked with twice

It’s great doing business with hometap…

GREAT COMPANY-VERY PROFESSIONAL

Thorough Process to Make an Informed Decision

Eric is great

Are there any fees associated with the investment?

How do I apply for a home equity investment?

How long does the application process take?

Can I pay off the investment early?

What can I use the money for?

How do I contact Hometap?

Does this affect my credit score?

What happens if my home value decreases?

About Hometap

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