Hometap is a home equity investment company that allows homeowners to access their home equity without taking on monthly payments or debt.
Each model independently rates Hometap on a 1–5 star scale.
Hometap offers home equity investments as an alternative to loans. Founded in 2017, it's a legitimate fintech but operates in a newer, less-regulated space. Mixed reviews from customers regarding terms and settlement costs.
Hometap offers innovative home equity solutions without debt, but as a newer player in investments, its trust and regulation scores are moderate. Trading and support depend on customer experiences, while reputation is still developing.
Hometap offers home equity investments, providing liquidity without monthly payments. While established, the complex nature of equity sharing and varying state regulations warrant a conservative rating. Transparency and long-term homeowner outcomes are key considerations.
Hometap offers home-equity investments (not loans) for cash without monthly payments. Legitimate with clear materials, but terms/fees and exit valuations can be complex and costly. The HEI space is lightly regulated; reviews are mixed though support is generally responsive.
Hometap offers a niche home equity investment product as a loan alternative. Limited independent performance data, high fees, and moderate regulatory scrutiny for this model result in conservative mid-range scores across categories.
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Hometap is rated 3.0 out of 5 (“Average”) on TrustRating, based on 5 independent AI model assessments. The TrustScore combines real customer reviews with AI models that independently assess trust, regulation, support and reputation signals. Always do your own research before making a purchase or investment.
TrustRating doesn't issue scam verdicts — we publish the data instead: Hometap scores 3.0 out of 5 (“Average”) based on 5 independent AI model assessments. Every review passes TrustGuard, our fraud-screening system that blocks fake and paid reviews, so the score reflects genuine customer experience. Read the most recent reviews below before you decide.
Hometap currently has a TrustScore of 3.0 out of 5 (“Average”). The score blends verified customer reviews with assessments from multiple independent AI models, and it updates automatically as new reviews and scans come in. You can read exactly how scores are computed on our methodology page.
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