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 575, 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.
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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.
Unison asks for a 620 credit score. If yours is lower and you still want a 30-year term, see our Hometap vs Point comparison.
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 26 states
- No monthly payments, ever
- No income requirements, and no impact on your DTI ratio
- 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 settlement, 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. Broad coverage. 22 states and D.C.
- Longest 30-year term in the industry
- 22 states plus D.C.
- Industry pioneer since 2006
- Up to $500K available
- No monthly payments or interest
- Shares in depreciation, down market protection
- Origination fee of 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 broad 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
Deciding against a HELOC altogether? See the full list of HELOC alternatives first.
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.
