Hometap vs Unison comes down to one question: how long do you plan to stay in your home?
Hometap offers the largest amounts (up to $600K) on a 10 year term with credit accepted from 585, so it wins if you expect to sell or refinance within a decade. Unison runs a 30 year term and shares in your home's losses as well as its gains, so it wins if you are staying put long term.
Both charge no monthly payments and no interest, and both estimates are free with a soft credit check only.
Offers on the same house regularly differ by thousands between these two, and checking is free with no credit impact. Get the Hometap estimate and the Unison estimate, compare the cash offered against the share they take, and pick the better deal for your exact home.
At a Glance Partners shown here reflect the most viewed listings on our platform based on user engagement. We may receive compensation from some companies listed. This does not influence ranking order.
Hometap vs Unison: quick comparison
Side-by-side look at the top HEI companies for 2026.
*Unison equity share varies by circumstances. Terms accurate as of July 2026.
In-depth reviews
Our editors spent 40+ hours evaluating terms, transparency, customer experience, and long-term value.
Hometap
$2B+ invested. 25,000+ homeowners served. Access $15K to $600K with no monthly payments and no impact to your credit score.
- Largest investment amounts, up to $600K
- Available in 16+ states
- No monthly payments, ever
- No income or DTI requirements
- Sell or refinance anytime, no exit penalty
- Transparent pricing, no hidden fees
- Not available in all 50 states
- Settlement required at sale or 10-year term end
- Lump-sum repayment, plan your exit
Hometap is the gold standard for home equity investments. With $2B+ deployed to 25,000+ homeowners, they offer the best mix of large investment amounts, transparent pricing, and flexible exit terms. If you need substantial cash without monthly payments, start here.
Unison
Industry pioneer since 2006 with the longest 30-year term available. Widest coverage. 24 states and D.C.
- Longest 30-year term in the industry
- Most states, 24 plus D.C.
- Industry pioneer since 2006
- Up to $500K available
- No monthly payments or interest
- Shares in depreciation, down market protection
- Higher origination fees at 3.9%
- Complex equity share formula
- 5% discount applied to home value at start
- May complicate future refinancing
Unison pioneered the HEI category in 2006 and offers unmatched flexibility with its 30-year term, you're never rushed to sell or refinance. With the widest state availability and a lower 620 credit bar, they're the best option for homeowners planning to stay long-term.
What Is a Home Equity Investment?
An HEI gives you a lump sum from your home's equity today. No loan. No monthly payments. No interest. In exchange, the company takes a share of your home's future value when you eventually sell or settle. Your mortgage, title, and monthly budget stay untouched.
HEI vs. HELOC vs. Home Equity Loan
Is an HEI right for you?
- ✓ You need cash without new monthly bills
- ✓ You plan to stay 5+ years
- ✓ You want to keep your mortgage rate
- ✓ Credit below what HELOCs require
- ✗ You plan to sell soon
- ✗ Your home is in a fast-rising market
- ✗ You plan to refinance soon
- ✗ You want to convert to a rental
Hometap and Unison are both free to check. Soft credit check only, no impact to your score.
See If I Qualify →Everything you need to know before applying.
Which one is right for you?
Both are free to check. Soft credit check only, no impact to your score.
Before you go, you might be leaving free money on the table. Sign up for a few of these apps and you could pocket $50+ this month just for playing games and completing simple tasks. Most people start earning within minutes. See all verified apps here, free to join.
