{"id":348,"date":"2025-04-30T11:37:27","date_gmt":"2025-04-30T11:37:27","guid":{"rendered":"http:\/\/www.adamsauctionserv.com\/?p=348"},"modified":"2025-05-01T23:01:22","modified_gmt":"2025-05-01T23:01:22","slug":"6-best-home-equity-sharing-companies-in-2025","status":"publish","type":"post","link":"http:\/\/www.adamsauctionserv.com\/index.php\/2025\/04\/30\/6-best-home-equity-sharing-companies-in-2025\/","title":{"rendered":"6 Best Home Equity Sharing Companies in 2025"},"content":{"rendered":"<p>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 \u2014 often up to $500,000 \u2014 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<p>We saved you some time finding the right option \u2014 here are our top picks for the best home equity sharing companies.<\/p>\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/point-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Point<\/a><\/strong>: Best for investment property owners<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/hometap-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Hometap<\/a><\/strong>: Best for tracking your home equity investment<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/unlock-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Unlock<\/a><\/strong>: Best for low credit scores or unconventional income<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/splitero-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Splitero<\/a><\/strong>: Most flexible timeline<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/unison-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Unison<\/a><\/strong>: Most widely available<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/equitychoice-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">EquityChoice<\/a><\/strong>: Most predictable interest rates<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Comparison\">The Close\u2019s top picks for the best home equity sharing companies<\/h2>\n<table id=\"tablepress-2618\" class=\"tablepress tablepress-id-2618 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Home Equity Sharing Company<\/th>\n<th class=\"column-2\">Home Equity Investment (HEI) Terms<\/th>\n<th class=\"column-3\">Availability<\/th>\n<th class=\"column-4\">Minimum credit score<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Point Logo\" width=\"130\" height=\"68\" class=\"alignnone size-full wp-image-112552 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Point_Logo.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Get up to $30,000-500,000 or up to 20% of your home\u2019s value<\/li>\n<li>Flexible 30-year term<\/li>\n<li>Receive funding in as little as 3 weeks<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">25 states + D.C.<\/td>\n<td class=\"column-4\">500<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"4\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/point-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Point<\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Hometap Logo\" width=\"130\" height=\"68\" class=\"alignnone size-full wp-image-112553 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Hometap_Logo.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Up to $600,000 or 25% of the home\u2019s equity in as little as 3 weeks<\/li>\n<li>Funding is available within 4-7 business days of signing the agreement<\/li>\n<li>Investment term between one and ten years<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">17 states + D.C.<\/td>\n<td class=\"column-4\">500<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"4\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/hometap-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Hometap<\/a><\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Unlock Logo\" width=\"130\" height=\"68\" class=\"alignnone size-full wp-image-112554 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Unlock_Logo.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Get up to $50,000-500,000<\/li>\n<li>10-year term<\/li>\n<li>Receive funding in 30-60 days<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">19 states<\/td>\n<td class=\"column-4\">500<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td colspan=\"4\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/unlock-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Unlock<\/a><\/td>\n<\/tr>\n<tr class=\"row-8\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Splitero Logo\" width=\"130\" height=\"68\" class=\"alignnone size-full wp-image-112555 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Splitero_Logo.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Get between $50,000-500,000, up to 25% of your home\u2019s value<\/li>\n<li>Flexible terms between 10-30 years<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">13 states<\/td>\n<td class=\"column-4\">500<\/td>\n<\/tr>\n<tr class=\"row-9\">\n<td colspan=\"4\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/splitero-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Splitero<\/a><\/td>\n<\/tr>\n<tr class=\"row-10\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Unison Logo\" width=\"130\" height=\"68\" class=\"alignnone size-full wp-image-112556 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Unison_Logo.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Get between $30,000-500,000 or up to 15% of your home\u2019s value<\/li>\n<li>10-30 year term<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">29 states + D.C.<\/td>\n<td class=\"column-4\">680<\/td>\n<\/tr>\n<tr class=\"row-11\">\n<td colspan=\"4\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/unison-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Unison<\/a><\/td>\n<\/tr>\n<tr class=\"row-12\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"EquityChoice Logo.\" width=\"130\" height=\"68\" class=\"alignnone size-full wp-image-112557 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/EquityChoice_Logo.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Get up to $500,000<\/li>\n<li>10-year term<\/li>\n<li>Receive funding in two to six weeks<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">19 states<\/td>\n<td class=\"column-4\">680<\/td>\n<\/tr>\n<tr class=\"row-13\">\n<td colspan=\"4\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/equitychoice-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit EquityChoice<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2618 from cache --><\/p>\n<h2 class=\"wp-block-heading\" id=\"Point\">Point: Best for investment property owners<\/h2>\n<table id=\"tablepress-2619\" class=\"tablepress tablepress-id-2619\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Point Logo\" width=\"150\" height=\"79\" class=\"alignnone size-full wp-image-112611 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Point_Logo-removebg-preview.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul><\/p>\n<li>No prepayment penalties<\/li>\n<p><\/p>\n<li>Available in 25 states<\/li>\n<p><\/p>\n<li>Minimal credit score and income  requirements<\/li>\n<p><\/p>\n<li>Extremely highly rated (A+ BBB and 4.7 on Trustpilot)<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul><\/p>\n<li>Must get a home appraisal by a third party<\/li>\n<p><\/p>\n<li>3.9% processing fee upon closing<\/li>\n<p><\/p>\n<li>Undefined third-party fees, like the appraisal, escrow, and government fees<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Terms<\/strong><\/p>\n<ul><\/p>\n<li>Get up to $30,000-500,000 or up to 20% of your home\u2019s value<\/li>\n<p><\/p>\n<li>Receive funding in as little as 3 weeks<\/li>\n<p><\/p>\n<li>Free application<\/li>\n<p><\/p>\n<li>Flexible 30-year term<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Eligibility<\/strong><\/p>\n<ul><\/p>\n<li>Minimum credit score of 500<\/li>\n<p><\/p>\n<li>No income requirements<\/li>\n<p><\/p>\n<li>Home must be worth at least $155,000<\/li>\n<p><\/p>\n<li>Must have a significant percentage of equity in your home<\/li>\n<p><\/p>\n<li><strong>Not eligible:<\/strong> Commercial properties, manufactured homes, modular homes, mobile homes, properties with 5 or more acres, properties owned by an LLC, or co-ops<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2619 from cache --><\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Point<\/a>\n  <\/div>\n<div class=\"block-callout-box p-md-40 mb-40 last-child-mb-0 first-child-mt-0 \">\n<ul class=\"wp-block-list\">\n<li><strong>Available in 25 states + D.C.<\/strong>: Arizona, California,\u00a0 Colorado, Connecticut, Florida,\u00a0 Georgia, Hawaii, Illinois, Indiana, Maryland, Michigan, Minnesota, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, and Washington, D.C.<\/li>\n<\/ul>\n<\/div>\n<p>With Point\u2019s HEI program, you can get up to 20% of your home\u2019s value in a lump sum within just a few weeks, thanks to its particularly quick and easy qualification and funding process. Plus, Point is one of the very few home equity agreement companies that will fund HEIs on investment properties, second homes, and properties owned by an LLC.\u00a0<\/p>\n<p>This makes it especially great for real estate professionals, investors, and for recommending to clients who invest in real estate. In fact, using an HEI is a great strategy for <a href=\"https:\/\/theclose.com\/how-to-buy-multiple-rental-properties\/\">buying multiple rental properties<\/a>.<\/p>\n<h2 class=\"wp-block-heading\" id=\"Hometap\">Hometap: Best for tracking your investment<\/h2>\n<table id=\"tablepress-2620\" class=\"tablepress tablepress-id-2620\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Hometap Logo.\" width=\"150\" height=\"79\" class=\"alignnone size-full wp-image-112613 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Hometap_Logo-removebg-preview.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul><\/p>\n<li>Dedicated investment manager<\/li>\n<p><\/p>\n<li>Home equity dashboard<\/li>\n<p><\/p>\n<li>No upfront costs<\/li>\n<p><\/p>\n<li>Online investment calculator<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul><\/p>\n<li>\u201cShare of home value\u201d model is complex and may be confusing<\/li>\n<p><\/p>\n<li>3.5% investment fee when you sell the home or settle<\/li>\n<p><\/p>\n<li>Short investment terms (only up to 10 years)<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Terms<\/strong><\/p>\n<ul><\/p>\n<li>Up to $600,000 or 25% of the home\u2019s equity in as little as 3 weeks<\/li>\n<p><\/p>\n<li>Funding is available within 4-7 business days of signing the agreement<\/li>\n<p><\/p>\n<li>Investment term between one and ten years<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Eligibility<\/strong><\/p>\n<ul><\/p>\n<li>Minimum credit score of 500<\/li>\n<p><\/p>\n<li>Must have at least 25% equity in the home<\/li>\n<p><\/p>\n<li>Eligible property types include single-family home, condo, vacation or rental property, multifamily property, or manufactured home<\/li>\n<p><\/p>\n<li>A loan-to-value (LTV) ratio of 75% is preferred<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2620 from cache --><\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Hometap<\/a>\n  <\/div>\n<div class=\"block-callout-box p-md-40 mb-40 last-child-mb-0 first-child-mt-0 \">\n<ul class=\"wp-block-list\">\n<li><strong>Available in 17 states + D.C.<\/strong>: Arizona, California, Florida, Indiana, Michigan, Minnesota, Missouri, Nevada, New York, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Utah, Virginia, Washington, and Washington, D.C.\u00a0<\/li>\n<\/ul>\n<\/div>\n<p>There are so many reasons why Hometap is consistently chosen as one of the best home equity sharing companies. Its biggest standout feature is the Home Equity Dashboard, which homeowners can visit at any time. It includes a current home value estimate (updated every 90 days), the current costs of your Hometap Share, and interactive forecasting tools for up to 10 years.\u00a0<\/p>\n<p>Since the final costs of Hometap\u2019s home equity investment (HEI) depend on multiple factors, having this data available in the dashboard can help you decide when the best time to sell your home or settle the payment is. This is ideal for homeowners and professionals who want to make the wisest short and long-term financial decisions.<\/p>\n<h2 class=\"wp-block-heading\" id=\"Unlock\">Unlock: Lowest eligibility requirements<\/h2>\n<table id=\"tablepress-2621\" class=\"tablepress tablepress-id-2621\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Unlock Logo.\" width=\"150\" height=\"79\" class=\"alignnone size-full wp-image-112615 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Unlock_Logo-removebg-preview.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul><\/p>\n<li>Dedicated home equity consultant (HEC)<\/li>\n<p><\/p>\n<li>Most highly rated<\/li>\n<p><\/p>\n<li>Limited restrictions on funding use<\/li>\n<p><\/p>\n<li>Application is a soft credit pull, which won\u2019t affect your credit score<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul><\/p>\n<li>Places a lien on your property<\/li>\n<p><\/p>\n<li>An origination fee of 4.9% at closing<\/li>\n<p><\/p>\n<li>Must get a home appraisal by a third party<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Terms<\/strong><\/p>\n<ul><\/p>\n<li>Get up to $50,000-500,000<\/li>\n<p><\/p>\n<li>10-year term<\/li>\n<p><\/p>\n<li>Receive funding in 30-60 days<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Eligibility<\/strong><\/p>\n<ul><\/p>\n<li>Minimum credit score of 500<\/li>\n<p><\/p>\n<li>No income requirements<\/li>\n<p><\/p>\n<li>Must have around 40% equity in your home<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2621 from cache --><\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Unlock<\/a>\n  <\/div>\n<div class=\"block-callout-box p-md-40 mb-40 last-child-mb-0 first-child-mt-0 \">\n<ul class=\"wp-block-list\">\n<li><strong>Available in 19 states<\/strong>: Arizona, California, Florida, Indiana, Kentucky, Michigan, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, and Washington<\/li>\n<\/ul>\n<\/div>\n<p>Unlock is an online real estate financing resource that is known as one of the best home equity agreement companies. To qualify for its home equity agreement (HEA), you only need a credit score of 500, and there are no income requirements, no DTI requirements, and no age requirements.\u00a0<\/p>\n<p>Plus, Unlock has the highest ratings of all the home equity agreement companies on this list. While Point comes close, Unlock has an A+ rating with the Better Business Bureau and a 4.7 rating on Trustpilot.<\/p>\n<h2 class=\"wp-block-heading\" id=\"Splitero\">Splitero: Most flexible timeline<\/h2>\n<table id=\"tablepress-2623\" class=\"tablepress tablepress-id-2623\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Splitero Logo.\" width=\"150\" height=\"79\" class=\"alignnone size-full wp-image-112617 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Splitero_Logo-removebg-preview.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul><\/p>\n<li>No prepayment penalties<\/li>\n<p><\/p>\n<li>No restrictions on the use of funds<\/li>\n<p><\/p>\n<li>No income or employment requirements<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul><\/p>\n<li>Hard inquiry on credit score<\/li>\n<p><\/p>\n<li>Does not fund investment properties<\/li>\n<p><\/p>\n<li>Closing fees are unclear<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Terms<\/strong><\/p>\n<ul><\/p>\n<li>Get between $50,000-500,000, up to 25% of your home\u2019s value<\/li>\n<p><\/p>\n<li>Flexible terms between 10-30 years<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Eligibility<\/strong><\/p>\n<ul><\/p>\n<li>Minimum credit score of 500<\/li>\n<p><\/p>\n<li>No age limit<\/li>\n<p><\/p>\n<li>No income or employment requirements<\/li>\n<p><\/p>\n<li>No DTI requirements\/li&gt;\n        <\/li>\n<li>Home\u2019s value must be between $200,000 &#8211; $5,000,000<\/li>\n<p><\/p>\n<li>Property must be owner-occupied<\/li>\n<p><\/p>\n<li>Eligible property types include single-family homes, condos, townhomes, multifamily residential homes, and properties held by a trust or LLC<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2623 from cache --><\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Splitero<\/a>\n  <\/div>\n<div class=\"block-callout-box p-md-40 mb-40 last-child-mb-0 first-child-mt-0 \">\n<ul class=\"wp-block-list\">\n<li><strong>Available in 13 states<\/strong>: Arizona, California, Colorado, Florida, Nevada, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington<\/li>\n<\/ul>\n<\/div>\n<p>Although there are many reasons why Splitero makes our list of the best home equity sharing companies\u200b, its most unique feature is the \u201cMaturity Match.\u201d This matches your home equity agreement with your existing or primary mortgage timeline, which means your HEI won\u2019t be due before your mortgage.\u00a0<\/p>\n<p>Splitero also doesn\u2019t charge any fees for repurchasing early, so this feature gives you plenty of flexibility to manage your finances wisely. Plus, it is one of only two companies we found with zero restrictions on what you do with the money.<\/p>\n<h2 class=\"wp-block-heading\" id=\"Unison\">Unison: Most widely available<\/h2>\n<table id=\"tablepress-2622\" class=\"tablepress tablepress-id-2622\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Unison Logo.\" width=\"150\" height=\"79\" class=\"alignnone size-full wp-image-112619 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/Unison_Logo-removebg-preview.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul><\/p>\n<li>No prepayment penalty<\/li>\n<p><\/p>\n<li>Application does not affect credit score<\/li>\n<p><\/p>\n<li>Unison covers the appraisal fee<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul><\/p>\n<li>3.99% transaction fee at closing<\/li>\n<p><\/p>\n<li>Additional fees at closing<\/li>\n<p><\/p>\n<li>High credit score requirement<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Terms<\/strong><\/p>\n<ul><\/p>\n<li>Get between $30,000-500,000 or up to 15% of your home\u2019s value<\/li>\n<p><\/p>\n<li>Flexible 10-30 year terms<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Eligibility<\/strong><\/p>\n<ul><\/p>\n<li>Minimum credit score of 680<\/li>\n<p><\/p>\n<li>DTI ratio of less than 40% (depending on credit history)<\/li>\n<p><\/p>\n<li>Combined LTV of 70% or less (depending on credit history)<\/li>\n<p><\/p>\n<li>Homes must be owner-occupied, primary residences<\/li>\n<p><\/p>\n<li>Eligible property types include single-family homes, townhomes, and condos<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2622 from cache --><\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Unison<\/a>\n  <\/div>\n<div class=\"block-callout-box p-md-40 mb-40 last-child-mb-0 first-child-mt-0 \">\n<ul class=\"wp-block-list\">\n<li><strong>Available in 29 states + D.C.<\/strong>: Arizona, California, Colorado, Delaware, Florida, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin, and Washington, D.C.<\/li>\n<\/ul>\n<\/div>\n<p>Unison is one of the most well-known and highly respected funding companies on our list, even though its home equity sharing agreement is relatively new. Its HEA is also closely tied to Unison\u2019s equity sharing home loan, although they are separate products. With its equity sharing agreement, you can get up to 15% or $500,000 of your home\u2019s value in cash.<\/p>\n<p>While this program has a higher credit score requirement than most, the other eligibility requirements are flexible. In fact, many of its terms can be adjusted to all unique situations \u2014 and since Unison\u2019s application process doesn\u2019t affect your credit score, you can get started with no risk and potentially get a customized solution. Ultimately, it is one of the best home equity sharing companies because of its strong reputation, reputable history, and wide availability all over the country.<\/p>\n<h2 class=\"wp-block-heading\" id=\"EquityChoice\">EquityChoice: Most predictable interest rates<\/h2>\n<table id=\"tablepress-2624\" class=\"tablepress tablepress-id-2624\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"EquityChoice Logo.\" width=\"150\" height=\"79\" class=\"alignnone size-full wp-image-112621 lazyload\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/EquityChoice_Logo-removebg-preview.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul><\/p>\n<li>No prepayment penalties<\/li>\n<p><\/p>\n<li>Unrestricted use of funds<\/li>\n<p><\/p>\n<li>Immediate access to funds<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul><\/p>\n<li>FICO score of 680<\/li>\n<p><\/p>\n<li>Difficult eligibility requirements<\/li>\n<p><\/p>\n<li>Origination fee of approximately 3% at closing<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>Terms<\/strong><\/p>\n<ul><\/p>\n<li>Get up to $500,000 or 16% of home\u2019s value<\/li>\n<p><\/p>\n<li>10-year term<\/li>\n<p><\/p>\n<li>Receive funding in two to six weeks<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Eligibility<\/strong><\/p>\n<ul><\/p>\n<li>Minimum credit score of 680<\/li>\n<p><\/p>\n<li>Must have lived in your home for at least two years<\/li>\n<p><\/p>\n<li>A loan-to-value (LTV) ratio of 50% is preferred<\/li>\n<p><\/p>\n<li>Must have a DTI of less than 45%<\/li>\n<p><\/p>\n<li>Must be your primary residence<\/li>\n<p><\/p>\n<li>Eligible property types include single-family properties and detached PUD properties (planned unit developments)<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2624 from cache --><\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit EquityChoice<\/a>\n  <\/div>\n<div class=\"block-callout-box p-md-40 mb-40 last-child-mb-0 first-child-mt-0 \">\n<ul class=\"wp-block-list\">\n<li><strong>Available in 19 states<\/strong>: Arizona, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Kentucky, Louisiana, Maine, Michigan, Montana, North Carolina, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, and South Carolina<\/li>\n<\/ul>\n<\/div>\n<p>Since home equity sharing is based on the future value of your home, there are typically a lot of unknowns about the final value of your home and the final exact costs. If you want to have a little more predictability, EquityChoice is an ideal option because it offers a \u201cshared appreciation mortgage\u201d with a fixed below-market interest rate.\u00a0<\/p>\n<p>Like the other options, there are no monthly payments and little to no upfront costs. However, when you sell your home, your final costs will be based on the amount you borrowed, a share of the home\u2019s appreciation, and a fixed interest rate that is typically 4-8% less than current interest rates. This EquityChoice program is slightly different from other home equity agreement companies, but a great option for those who want as few unknowns as possible.<\/p>\n<h2 class=\"wp-block-heading\" id=\"Methodology\">Methodology: How we evaluated the best home equity sharing companies<\/h2>\n<p>At The Close, <a href=\"https:\/\/theclose.com\/methodology\/\">our methodology<\/a> is to provide real estate professionals with accurate, understandable information to help them grow their businesses. To help you sort through the top home equity agreement companies, our team of real estate experts, writers, and researchers conducted detailed research. We evaluated each company\u2019s offers with real estate agents and brokers in mind.<\/p>\n<p>Our criteria for the best home equity investment companies include:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Availability<\/strong>: Since home equity sharing programs have limited availability, we chose home equity sharing companies\u200b that were available in a variety of states.<\/li>\n<li><strong>Eligibility requirements<\/strong>: We considered each company\u2019s requirements, prioritizing those with reasonable credit scores, types of properties, and equity requirements.<\/li>\n<li><strong>Investment terms<\/strong>: We evaluated each company\u2019s investment terms, prioritizing flexible payment terms.<\/li>\n<li><strong>Fees and costs<\/strong>: Since home equity agreements can be complex, we looked for companies that clearly defined their fees.<\/li>\n<li><strong>Company reputation<\/strong>: We looked at each company\u2019s third-party reviews and reputation for transparent, seamless transactions.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Pros\">Pros and cons of home equity sharing<\/h2>\n<p>Home equity investment companies offer an unconventional way to take advantage of the value in your current home. In fact, many people don\u2019t know that these programs exist!\u00a0<\/p>\n<p>For real estate agents, the ability to get a lump sum with minimal upfront costs could help grow your business or improve your home or an investment property. But just like with every transaction, you need to do your due diligence and make sure you fully understand the potential risks and rewards.<\/p>\n<p>Here are some of the most important pros and cons of working with home equity agreement companies:<\/p>\n<table id=\"tablepress-2625\" class=\"tablepress tablepress-id-2625\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">\n<ul><\/p>\n<li>There are no monthly payments<\/li>\n<p><\/p>\n<li>Upfront costs are minimal (sometimes completely free!)<\/li>\n<p><\/p>\n<li>Most programs have a low credit score requirement<\/li>\n<p><\/p>\n<li>There are very few, if any, restrictions on how you can use funds<\/li>\n<p><\/p>\n<li>Many programs have no income or debt requirements, which is great for those with unconventional or irregular income<\/li>\n<p><\/p>\n<li>Funding is often available more quickly than other types of funding<\/li>\n<p><\/p>\n<li>If your home depreciates in value, some home equity investment companies share that loss<\/li>\n<p>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul><\/p>\n<li>Many HEAs place liens on your property<\/li>\n<p><\/p>\n<li>You must already have a high level of equity in your home<\/li>\n<p><\/p>\n<li>Limited availability<\/li>\n<p><\/p>\n<li>The final cost is unpredictable<\/li>\n<p><\/p>\n<li>Some home equity sharing programs apply a fee if you decide to repay early<\/li>\n<p><\/p>\n<li>Terms and requirements can be complex<\/li>\n<p><\/p>\n<li>Potential tax implications<\/li>\n<p>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2625 from cache --><\/p>\n<h2 class=\"wp-block-heading\" id=\"Alternatives\">Alternatives to home equity sharing<\/h2>\n<p>The most obvious benefit of home equity sharing is being able to get a lump sum of cash, which can be used to <a href=\"https:\/\/theclose.com\/real-estate-investing\/\">invest in real estate<\/a>, grow your business, or even pay off debt. However, there are many different options to leverage the equity in your home:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Home equity loan<\/strong>: This is like a typical loan, but it\u2019s taken from the equity in your home. It\u2019s a great option if you want to avoid unpredictable costs, but it increases your debt.<\/li>\n<li><strong>Home equity line of credit (HELOC)<\/strong>: A HELOC can give you an account and\/or a credit card from the equity in your home. They are flexible and typically have lower interest rates than other options.<\/li>\n<li><strong>Cash-out refinance<\/strong>: This method replaces your existing mortgage with a new one for a higher amount, but you receive the difference in cash.<\/li>\n<li><strong>Reverse mortgage<\/strong>: This option is for seniors over the age of 62, but allows you to receive money from your equity in a lump sum or in monthly payments.<\/li>\n<li><strong>Personal loan<\/strong>: A personal loan isn\u2019t tied to your home or any real estate you own, but allows you to get money up front. However, interest rates on personal loans are usually higher than refinancing options.<\/li>\n<li><strong>Hard money loan<\/strong>: <a href=\"https:\/\/theclose.com\/best-hard-money-lenders\/\">Hard money lenders<\/a> can be online companies or even personal connections. They typically have the highest interest rates and a short repayment term, but they can be extremely useful for investments.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"FAQs\">Frequently asked questions (FAQs)<\/h2>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"is-shared-home-equity-a-good-idea\" class=\"my-40\">Is shared home equity a good idea?<br \/>\n\t\t\t\t<\/h3>\n<p><img decoding=\"async\" alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"is-shared-home-equity-a-good-idea-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>Using a home sharing equity agreement or investment can be a great idea and is a good way to leverage the value of your home\u2019s equity. There are no monthly fees and very few upfront costs, and many HEIs have no income requirements. Of course, you should do due diligence on the risks and rewards of any financing strategy before diving in.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"who-qualifies-for-a-home-equity-sharing-agreement\" class=\"my-40\">Who qualifies for a home equity sharing agreement?<br \/>\n\t\t\t\t<\/h3>\n<p><img decoding=\"async\" alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"who-qualifies-for-a-home-equity-sharing-agreement-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>To be eligible for a home sharing agreement, you have to have a certain amount of equity in your home. Many home equity sharing companies also have requirements for your credit score and the type of property they fund \u2014 however, credit score and income requirements are typically much lower than other types of financing.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"what-are-the-tax-implications-for-home-equity-sharing\" class=\"my-40\">What are the tax implications for home equity sharing?<br \/>\n\t\t\t\t<\/h3>\n<p><img decoding=\"async\" alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"what-are-the-tax-implications-for-home-equity-sharing-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>Home equity sharing can have both positive and negative impacts on your taxes. The money you receive isn\u2019t taxed, since it\u2019s considered an investment instead of income. However, you may owe additional capital gains tax when you sell your home or settle the agreement.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<p>The post <a href=\"https:\/\/theclose.com\/best-home-equity-companies\/\">6 Best Home Equity Sharing Companies in 2025<\/a> appeared first on <a href=\"https:\/\/theclose.com\">The Close<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A home equity agreement or investment (HEA or HEI) is a unique strategy to leverage&#8230;<\/p>\n","protected":false},"author":1,"featured_media":350,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[12],"tags":[],"_links":{"self":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts\/348"}],"collection":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/comments?post=348"}],"version-history":[{"count":2,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts\/348\/revisions"}],"predecessor-version":[{"id":363,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts\/348\/revisions\/363"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/media\/350"}],"wp:attachment":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/media?parent=348"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/categories?post=348"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/tags?post=348"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}