Compare Home Equity Investment Companies

Side-by-side comparison of the top 8 HEI providers. Find the best fit for your home equity, timeline, and funding needs.

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All 8 Providers at a Glance

Comprehensive feature comparison across the criteria we evaluated. Splitero is our top pick (Editor's Pick), but the best provider depends on your specific situation.

Provider	WG Rating	Max Investment	Term	States	Funding Speed	Min Equity	Best For
SpliteroEditor's Pick	4.8	$500K	30yr	6+	2-3wk	~25%	Flexible, long-term funding
Hometap	4.6	$600K	10yr	16+	2-3wk	~25%	Fastest funding with broad reach
Unlock	4.5	$500K	10yr	15	3-4wk	~20%	Accessible equity requirements
Point	4.5	$500K	30yr	28+	3-5wk	~20%	Most state availability
Unison	4.3	$500K	30yr	30+	4-6wk	~20%	Nationwide coverage
Aspire	4.2	$300K	10-30yr	Select	3-4wk	~15-20%	Lower equity thresholds
HomePace	4.1	$350K	10-15yr	Select	3-5wk	~20%	Niche regional markets
Balance	4	$250K	10-15yr	Select	3-5wk	~20%	Debt consolidation focus

Splitero

Pick

Rating

4.8

Max

$500K

Term

30yr

States

Funding

2-3wk

Min Equity

~25%

Best for: Flexible, long-term funding

Hometap

Rating

4.6

Max

$600K

Term

10yr

States

16+

Funding

2-3wk

Min Equity

~25%

Best for: Fastest funding with broad reach

Unlock

Rating

4.5

Max

$500K

Term

10yr

States

Funding

3-4wk

Min Equity

~20%

Best for: Accessible equity requirements

Point

Rating

4.5

Max

$500K

Term

30yr

States

28+

Funding

3-5wk

Min Equity

~20%

Best for: Most state availability

Unison

Rating

4.3

Max

$500K

Term

30yr

States

30+

Funding

4-6wk

Min Equity

~20%

Best for: Nationwide coverage

Aspire

Rating

4.2

Max

$300K

Term

10-30yr

States

Select

Funding

3-4wk

Min Equity

~15-20%

Best for: Lower equity thresholds

HomePace

Rating

4.1

Max

$350K

Term

10-15yr

States

Select

Funding

3-5wk

Min Equity

~20%

Best for: Niche regional markets

Balance

Rating

Max

$250K

Term

10-15yr

States

Select

Funding

3-5wk

Min Equity

~20%

Best for: Debt consolidation focus

Category Winners

Top provider in each category based on our evaluation criteria.

Best Overall

Splitero

Highest rating (4.8) with ideal balance of flexibility, speed, and access

Best for Fast Funding

Hometap

2-3 week funding with highest max investment ($600K)

Best Long-Term Flexibility

Point

30-year term in 28+ states with lower equity requirements

Widest Availability

Unison

Operates in 30+ states nationwide

Best for High Access

Unlock

Lowest equity requirement (~20%) with clear pricing

Best for Debt Payoff

Balance

Purpose-built tools for debt consolidation and payoff

How We Evaluated These Providers

Our WalletGrower rating uses weighted criteria to fairly assess each HEI provider.

WG Rating

Weighted assessment of company reputation, customer satisfaction, and reliability

20%

Maximum Investment

Higher caps give homeowners more access to equity

15%

Term Flexibility

30-year terms preferred for long-term planning

15%

State Coverage

Broader availability increases accessibility

15%

Funding Speed

Faster funding improves urgency for cash needs

15%

Equity Requirements

Lower thresholds increase accessibility

10%

Product Features

Grants, advisory, tools, and add-on services

10%

Methodology: We aggregated customer reviews from Trustpilot, Google, and third-party rating sites, evaluated each company's official maximum investment caps, term lengths, and state availability from their websites, contacted each provider directly to confirm current funding timelines, and assessed feature sets and add-on services. This comparison reflects data accurate as of April 2026.

Detailed Provider Profiles

Splitero

Pros

• 30-year term for maximum flexibility
• Up to $500K investment
• Fast 2-3 week funding
• Home improvement grants available

Cons

• Limited state availability (6+)
• Requires ~25% home equity

Best For: Flexible, long-term funding

View Full Splitero Review

Hometap

Rating

4.6/5

Max Investment

$600K

Funding Speed

2-3wk

Pros

• Highest max investment ($600K)
• Serves 16+ states
• Same-speed funding as Splitero
• Strong brand recognition

Cons

• 10-year term only (less flexibility)
• Requires ~25% home equity

Best For: Fastest funding with broad reach

View Full Hometap Review

Unlock

Rating

4.5/5

Max Investment

$500K

Funding Speed

3-4wk

Pros

• Lower equity requirement (~20%)
• Up to $500K available
• Simple application process
• Clear, transparent pricing

Cons

• 3-4 week funding (slower than Splitero)
• Limited to 15 states
• 10-year term

Best For: Accessible equity requirements

View Full Unlock Review

Point

Rating

4.5/5

Max Investment

$500K

Funding Speed

3-5wk

Pros

• 30-year term (high flexibility)
• Available in 28+ states
• Lower equity requirement (~20%)
• No monthly payments

Cons

• Slower funding (3-5 weeks)
• Requires some documentation

Best For: Most state availability

View Full Point Review

Unison

Rating

4.3/5

Max Investment

$500K

Funding Speed

4-6wk

Pros

• Operates in 30+ states (most coverage)
• 30-year flexibility
• Up to $500K available
• No monthly debt obligations

Cons

• Slowest funding (4-6 weeks)
• Lower rating than competitors

Best For: Nationwide coverage

View Full Unison Review

Aspire

Rating

4.2/5

Max Investment

$300K

Funding Speed

3-4wk

Pros

• Lowest equity requirement (~15-20%)
• Flexible 10-30 year terms
• Customer-focused service

Cons

• Lower max investment ($300K)
• Limited state availability
• Smaller company (less brand recognition)

Best For: Lower equity thresholds

View Full Aspire Review

HomePace

Rating

4.1/5

Max Investment

$350K

Funding Speed

3-5wk

Pros

• Flexible 10-15 year terms
• Up to $350K available
• Personalized advisory service

Cons

• Very limited state availability
• Lower funding speed
• Smaller market presence

Best For: Niche regional markets

View Full HomePace Review

Balance

Rating

4/5

Max Investment

$250K

Funding Speed

3-5wk

Pros

• Strong debt payoff tools
• Simplified application
• Lower stress financing

Cons

• Lowest max investment ($250K)
• Limited state availability
• Shortest term options (10-15yr)
• Lowest WG rating

Best For: Debt consolidation focus

View Full Balance Review

Ready to get started with the #1-rated HEI provider?

Splitero offers the best combination of flexibility, speed, and access. Get a free quote in minutes—no obligation.

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Frequently Asked Questions

How do I choose between these 8 HEI providers?

Start with your priorities: If you need the fastest funding, choose Hometap or Splitero (2-3 weeks). If you need maximum state coverage, Unison (30+) or Point (28+) are best. If you have lower equity (~20%), Unlock or Aspire are more accessible. Use our detailed comparison table to match your needs against each provider's strengths.

What's the difference between 10-year and 30-year HEI terms?

A 10-year HEI means the investor shares in your home equity for 10 years, then exits. A 30-year HEI is longer-term, giving you more time to benefit from appreciation but requiring the investor to wait longer for returns. Longer terms (30yr) are better if you plan to stay in your home; shorter terms (10yr) are better if you expect to refinance or sell sooner.

What minimum home equity do I need for HEI?

Most HEI providers require 20-25% equity, meaning your home must be worth at least 4-5x your outstanding mortgage. Aspire is most lenient (~15-20%). Check our comparison table or apply directly to see if you qualify.

How fast will I get funded?

Funding times range from 2-3 weeks (Splitero, Hometap) to 4-6 weeks (Unison). Most fall in the 3-4 week range. The process includes appraisal, underwriting, and title search, so timing depends on your lender's workload and documentation speed.

Do HEI providers operate nationwide?

No. Unison has the broadest coverage (30+ states), followed by Point (28+). Most others serve 6-16 states. Check each provider's state map directly to confirm availability in your area.

What's the "WG Rating" in this comparison?

Our WalletGrower Rating (WG Rating) is a comprehensive 5-point scale combining customer satisfaction, industry reputation, funding speed, transparency, and feature set. It's our subjective but well-researched assessment to help you quickly identify the strongest options.

100%

8 HEI Providers Compared

Evaluation Criteria

15+

Years of Real Estate Data

Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.

WalletGrower is independently owned and operated. We maintain editorial independence from our affiliate partners.

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