Key Takeaways
- Hometap, Point, and Unlock offer the highest HEI limits, with maximum payouts up to $600,000 for qualifying homeowners.
- Your actual offer depends on your home's appraised value, available equity, and location, not just the provider's advertised maximum.
- Most HEI companies allow combined loan-to-value ratios of 75% to 80% and require at least 20% to 40% equity.
Home equity investments can unlock six figures in cash without monthly payments, but the amount you can access varies dramatically by provider. Some companies cap investments at $150,000 while others go as high as $600,000.
Your actual offer depends on more than just the provider’s maximum. We’ll break down which HEI companies offer the highest limits, what factors determine your personal offer amount, and how to compare options to get the largest payout for your situation.
In this article (Skip to...)
- Top 10 HEI companies ranked by maximum investment limits
- How the best HEI companies compare on investment limits
- How we ranked these top HEI providers
- What determines your home equity investment limit
- How to maximize your HEI payout
- Who benefits most from high-limit HEI investments
- Pros and cons of high-limit home equity investments
- How to choose the right HEI company for your needs
- FAQs about home equity investment limits
Top 10 HEI companies ranked by maximum investment limits
The HEI providers offering the highest investment amounts in 2026 are Hometap, Point, and Unlock. These companies provide non-loan, shared-appreciation contracts that can deliver up to several hundred thousand dollars in cash. In exchange, you give up a percentage of your home’s future value when you sell, refinance, or reach the end of your term.
Here’s how the leading providers compare.
1. Hometap
Hometap tops the list with investments from $15,000 to $600,000. The company operates in 24 states and offers a 10-year term. If you’re looking for a large payout with transparent pricing, Hometap is often the first place to check.
2. Point
Point offers up to $500,000 with terms extending to 30 years, the longest available. That extra time gives you more flexibility on when to settle. Point is available in select states and keeps its contract terms relatively straightforward.
3. Unlock
Unlock also reaches $500,000 and stands out for its partial buyout feature. Instead of repaying everything at once, you can pay down a portion over time. This can make the eventual settlement less overwhelming.
4. Unison
Unison provides up to $500,000 with terms up to 30 years. The company has been around longer than most competitors and operates in more states. One notable feature: Unison shares in both appreciation and depreciation, which can work in your favor if home values drop.
5. Splitero
Splitero caps at $500,000 with terms from 10-30 years, and focuses on a simple application process. Funding typically happens within a few weeks. The company works well for homeowners who want straightforward terms without a lot of complexity.
6. Aspire
Aspire offers up to $250,000 with no income verification required. If you’re self-employed or have irregular income, this can be a significant advantage. The company does require a minimum 660 credit score.
7. Home Equity Partners
Home Equity Partners provides up to $250,000 in select markets. The company positions itself as a no-frills option for homeowners who want to avoid traditional debt products.
8. Bonus Homes
Bonus Homes is a newer player offering up to $200,000. The company targets homeowners who may not qualify for the largest payouts but still want meaningful access to their equity.
9. Fraction
Fraction offers up to $200,000 and focuses on homeowners planning to stay in their homes long-term. Availability is limited, though the company has been expanding.
10. Landed
Landed provides up to $150,000 and originally focused on educators and essential workers. The company has since broadened its eligibility while maintaining competitive terms.
What experts are saying
Michael Gifford, CEO of Splitero
“Home equity investments tend to work best for homeowners who plan to stay in their home longer.”
How the best HEI companies compare on investment limits
| Provider | Minimum | Maximum | Term Length | Availability |
| Hometap | $15,000 | $600,000 | 10 years | 24 states |
| Point | $25,000 | $500,000 | Up to 30 years | Select states |
| Unlock | $30,000 | $500,000 | 10 years | Select states |
| Unison | $30,000 | $500,000 | Up to 30 years | Most states |
| Splitero | $25,000 | $500,000 | 10-30 years | Select states |
| Aspire | $25,000 | $250,000 | 10 years | Select states |
| Home Equity Partners | $20,000 | $250,000 | 10 years | Select markets |
| Bonus Homes | $20,000 | $200,000 | 10 years | Limited states |
| Fraction | $25,000 | $200,000 | 10 years | Limited markets |
| Landed | $15,000 | $150,000 | 10 years | Select states |
The maximums listed represent ideal circumstances. Your actual offer will almost certainly be lower based on your specific situation.
How we ranked these top HEI providers
We focused on what matters most when you’re looking for a large equity payout:
- Maximum investment limit: The primary ranking factor for this article
- Geographic availability: How many states each provider serves
- Term flexibility: Range of settlement timelines offered
- Fee transparency: How clearly the company explains pricing and appreciation share
- Funding speed: How quickly you can receive cash after approval
What determines your home equity investment limit
The advertised maximum is just a ceiling. What you actually receive depends on several factors specific to your situation.
Home value and available equity
HEI providers typically offer between 10% and 20% of your home’s current appraised value. So if your home is worth $500,000, you might receive an offer between $50,000 and $100,000, even from a company advertising $600,000 maximums.
Most companies also require at least 20% to 40% equity before they’ll make an offer. If you recently bought your home or have a large mortgage balance, your options may be limited.
Geographic location and state availability
Not all HEI providers operate in every state. Some have location-based limits or simply don’t serve certain markets. Before spending time researching a specific company, confirm it operates where you live.
Property type and condition
Primary residences typically qualify for higher limits than second homes or investment properties. In fact, most top HEI companies focus exclusively on primary residences. Your home’s condition matters too, since deferred maintenance can lower your appraisal and reduce your offer.
Credit score and financial profile
While HEIs have more flexible credit requirements than traditional loans, your score can still influence your offer amount. Most providers look for scores of at least 500 to 550, though some prefer 600 or higher for larger investments.
Check your home equity loan options. Start here
How to maximize your HEI payout
A few approaches can help you get the largest possible investment.
Get multiple offers from different providers
Each HEI company uses its own valuation methods and appreciation share calculations. Getting quotes from at least three providers often reveals significant differences in offer amounts for the same property.
Understand how fees reduce your net payout
Origination fees, appraisal costs, and other charges reduce the cash you actually receive. Always ask for the net payout amount after all fees, not just the gross investment figure.
Tip: Request a detailed breakdown of all fees and the appreciation share percentage before committing. Small differences in terms can significantly affect your total cost at settlement.
Consider timing and market conditions
Home values fluctuate, and applying when your local market is strong may yield a higher offer. That said, market timing is difficult to predict, so waiting indefinitely rarely makes sense.
Time to make a move? Let us find the right mortgage for you
Who benefits most from high-limit HEI investments
HEIs with large payouts work well for certain homeowners:
- Equity-rich homeowners who want substantial cash for renovations, medical bills, or debt consolidation
- Self-employed borrowers who struggle to document income for traditional home equity loans
- Homeowners with lower credit scores who cannot qualify for large amounts through conventional lenders
- Those comfortable sharing appreciation in exchange for no monthly payments
On the other hand, homeowners in rapidly appreciating markets may find the appreciation share too costly over time when compared to traditional options like HELOCs. If you expect your home’s value to increase significantly, a traditional home equity loan might be more economical despite the monthly payments.
Pros and cons of high-limit home equity investments
Advantages of high-limit HEI providers
- No monthly payments during the investment term, which helps with cash flow
- Flexible credit requirements compared to traditional lenders
- Large lump sum access without taking on new debt or interest charges
- Shared risk since most providers share in depreciation if your home loses value
Drawbacks and risks to consider
- Sharing future appreciation can be costly if your home value rises significantly
- Balloon-style settlement required at term end, sale, or refinance
- Limited availability in some states and for certain property types
- Complex terms that require careful review before signing
Be cautious about assuming you understand the full cost. The appreciation share can add up to far more than traditional interest charges if your home gains substantial value.
Alternatives if you need more than HEI limits allow
If your cash needs exceed what HEI providers offer, other options may work better.
Cash-out refinance
A cash-out refinance replaces your current mortgage with a larger one, giving you the difference in cash. Borrowing limits are typically higher, though you’ll need to qualify based on income and credit.
Home equity loan
A home equity loan provides a lump sum with fixed monthly payments. Limits can reach $500,000 or more with strong credit, though you’ll pay interest over the loan term.
HELOC
A home equity line of credit offers flexible access to funds as needed. Limits can be substantial, but rates are typically variable and monthly payments are required.
How to choose the right HEI company for your needs
Finding the right fit involves more than comparing maximum limits:
- Compare maximum limits if you want a large payout, but focus on your likely offer amount
- Check state availability before researching providers in depth
- Review appreciation share terms carefully since small percentage differences add up
- Understand settlement requirements and what triggers repayment
- Request multiple quotes to find the best offer for your specific situation
The right choice depends on how much you want, how long you plan to stay in your home, and how comfortable you are sharing future appreciation.
FAQs about home equity investment limits
Generally no. Most HEI providers require a specific lien position and will not share equity claims with another HEI company. You'll typically work with one provider at a time.
Most HEI agreements include downside protection where the provider shares in losses. However, terms vary significantly, so review your specific contract to understand how depreciation affects your settlement amount.
Funding timelines typically range from two to six weeks depending on the provider and how quickly the appraisal process moves. Some companies offer expedited options for an additional fee.
Most top HEI companies focus exclusively on primary residences. A few providers may consider second homes, but typically with lower limits and stricter requirements.
