How we source these
Every default comes from the provider's own published materials first, then reputable reviews, and anything from a third party is labeled. Where a provider does not publish a pricing term, we do not guess: the calculator asks for your quote. Real offers are priced individually, so your written offer always wins. More on how we verify. Spotted something out of date? Tell us.
Point
Share of appreciation. You repay the investment plus Point's share of your home's gain above a risk-adjusted starting value. We model Point's share as 2.4× the percentage of home value invested and a 27% starting-value adjustment, both from Point's own published examples; Point sets both per offer, and in real offers we've seen the adjustment range from about 17% to 32%. Processing fee up to 3.9% (minimum $2,000). Homeowner Protection Cap modeled at 18% a year. Up to a 30-year term. Shares losses below the starting value.
Sources: Point: how the HEI works Point: worked example LendEDU ($30K minimum)
Hometap
Share of home value. At settlement you pay a percentage of your home's value, equal to 1.65× the percentage invested if you settle in years 1 to 5, or 1.8× in years 6 to 10 (Hometap's example for a 10% investment; multipliers vary by amount). Cap of 18.5% a year, compounded monthly. Up to 27% of home value, $15K to $600K, at least 25% equity required, 10-year term. Fee from third party Fee modeled at 4.5% per LendEDU; Hometap's pages we reviewed do not state it.
Sources: Hometap: how it works Hometap: pricing LendEDU
Unlock
Share of home value. The investment is expressed as a percentage of your home's value and multiplied by an exchange rate, often around 2.0. Origination fee up to 4.9%. Cap of 19.9% a year. $15K minimum, $500K maximum, at least 30% equity, home value $175K or more, 10-year term. Rate and cap from third party
Sources: Unlock: how it works LendEDU
Unison
Share of change in value, typically 4× the percentage invested (invest 10%, share 40% of the change). The starting value is your appraisal reduced by 5%. Shares depreciation as well as appreciation. 3.9% transaction fee. Up to 15% of home value or $500K, up to 30 years. No cap published.
Splitero
Share of home value. At settlement (Splitero calls it repurchase) you pay a "Split Percentage" of your home's appraised value. Splitero's published example: invest 10% of the home's value and the Split Percentage is 20%, so we model a 2.0× multiplier; Splitero sets the percentage for each offer through underwriting. Safety Cap of 17.99% a year, compounded monthly. Origination fee 4.99%, plus about $1,000 of third-party costs. Up to 25% of home value or $600K, homes appraised at $200K to $5M, 500 minimum credit score, no income requirement. The term matches your remaining first mortgage, 10 to 30 years (we model up to 30). Shares depreciation.
Sources: Splitero: pricing Splitero: eligibility Splitero: how it works
CHEIFS
Share of home value. At settlement you pay up to 2.25× your share of the home's value, or the cost cap amount if that is less. CHEIFS's own calculator shows this: $70,000 on a $950,000 home (7.37% of value) for up to 16.58% of its future value, and $77,000 on a $350,000 home (22%) for up to 49.5%. Cost cap of 12.99% or 14.99% a year, depending on program, compounded yearly on the investment (we model 12.99%). Origination fee 1.99% or 2.99% (we model 2.99%). $70K to $2M, 680 minimum credit score, combined loan-to-value up to 50% or 65% by program (we check 65%). No scheduled end date.
Sources: CHEIFS: calculator, payoff table, and comparison CHEIFS: disclosures
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