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HomeTap Review

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Reviews 781

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Chris Muller
Chris Muller
Jan. 21, 20214 min read

HomeTap summary

Hometap offers a way to use your home’s equity when you need it. With an investment from Hometap, you can free yourself from debt and monthly payments that come with conventional home equity loans. By filling out a quick online application, you can qualify for up to $300,000 in-home equity investing.

Pros

  • Pay only when you settle—no monthly payments or interest
  • Complete the online application in under 10 minutes
  • Receive up to $400,000

Cons

  • Must be repaid within 10 years or risk being forced to sell home

Overview

Hometap offers home equity investments as an alternative to conventional home equity loans and HELOCs. Hometap invests alongside you, so that you can access your equity without going into debt.

The process is simple, straightforward, and transparent. When you settle your investment, Hometap receives a portion of your home’s value as payment for its investment.

Because Hometap is an investor, not a lender, you don’t have to deal with interest or monthly payments. Instead, once you’re approved, you can receive cash in as little as three weeks to use it however you’d like.

Suitable For?

Hometap works for homeowners who want a fast, flexible, and transparent way to access their home’s equity. Since Hometap doesn’t require monthly payments or charge interest, it’s ideal for people who need money sooner rather than later. You don’t make any payments until you settle your investment within the 10-year effective period.

Types of Loans/Products

Hometap only offers home equity investments. However, it makes these investments flexible and easy for homeowners to qualify for through its application process.

Hometap will give you up to 30% of your home’s current value in exchange for a percentage of its future value. You’ll get a cash lump sum, and you won’t have to pay it back until you settle the investment. 

Throughout the Hometap Investment process, you’ll be paired with a dedicated Investment Manager who will walk you through each step and answer any questions you may have along the way.

The Application Process

Hometap has one of the quickest and easiest application processes available for home equity investments. The application itself only takes about 10 minutes to complete, and once approved, you can receive funding in as little as three weeks.

To apply for a Hometap investment, follow these steps:

  1. Answer some preliminary questions to find out if you qualify for a home equity investment and how much equity you may be able to access from your home.
  2. If you qualify, Hometap will walk you step by step through the investment process. 
  3. Your home’s current value will determine how much Hometap will invest.
  4. Once approved, Hometap will invest up to 30% of your home’s current appraised value in exchange for a percentage of its future value.
  5. You’ll receive your funds in as little as three weeks, and can use them for whatever you’d like.

Rates and Fees– The Bare Basics 

There are no monthly payments or interest to worry about with a Hometap Investment. Hometap does charge a fee equal to 3% of the investment amount that covers the arrangement and funding of the investment. There are no other Hometap fees, however, the appraisal and other third party costs associated with the signing (i.e.: escrow, attorney/notary, and document recording) are deducted from the investment amount when you get your money. 

So that there are no hidden fees or surprises, you’ll receive a detailed estimate after you submit an application, including all of the final costs of obtaining the investment. 

Repayment Terms

The effective period for a Hometap investment is 10 years, and you settle it all at once, the same way you received it.

When you decide to settle, Hometap may send an outside appraiser to determine your home’s value. Depending on whether its value increased or decreased over the past several years, you may end up paying even less than you borrowed.

Help & Support

Hometap investment managers are available Monday through Thursday from 8:00 a.m. to 8:00 p.m., and Friday from 8:00 a.m. to 5:00 p.m. In addition to contacting them directly, you can find more information on their Homeowners’ Resources page, which provides guides, videos, and other content to help you understand how a home equity investment can help you.

  • Email: hello@hometap.com
  • Phone: 1-617-399-024

You can also use Hometap’s online form to send an inquiry, and they will get back to you as soon as possible. 

Summary

Hometap can be an excellent option for many homeowners who don’t want the stress of monthly payments that come with a loan. With this investor, you only pay back the loan when you settle or sell your home.

Hometap offers plenty of educational content for homeowners considering taking an investment. Despite its lengthy approval process and many fees, this company offers the advantage of less hassle for your money.

FAQ

How is a Hometap investment different from a HELOC?

A home equity line of credit (HELOC) lets you use your home’s equity when you need to borrow money. Hometap invests in your home based on the amount of equity you’ve already built from paying off your mortgage. Unlike HELOCs, you don’t need to worry about monthly payments with a Hometap investment.

What if my home’s value goes down after ten years?

If your home’s value decreases, Hometap shares the loss. Some homeowners pay less than they borrowed when their home’s value goes down.

What happens if I can’t settle the investment?

One of the risks that comes with a Hometap investment is not being able to pay back the investment when the time comes to settle If you don’t think you’ll be able to settle your investment through a refinance or buyout with savings and plan to stay in your home long term, a Hometap investment might not be the best fit.

Will a Hometap investment affect my credit score?

Because Hometap is not a lender and does not require monthly payments, an investment will not impact your credit score.

Physical Address 

800 Boylston St, 16th Floor

Boston, MA 02199


Chris Muller
Written byChris Muller

Chris has an MBA with a focus on advanced investments and has been writing about all things personal finance since 2015. He’s also built and ran a digital marketing agency, focusing on content marketing, copywriting, and SEO, since 2016.

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Trustpilot reviews

See what some costumers are saying about HomeTap
HomeTap
ExcellentReviews 781
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Excellent
91%
Great
6%
Average
1%
Poor
1%
Bad
1%
  • author
    David
    4 hours ago
    Your service agent is is an excellent…

    Your service agent is is an excellent person Kelaghi is always available,prompt and answered all my questions.the only negative is that your fees are too high.

    ...

  • author
    Maykel and Sandy
    20 hours ago
    Being in an industry

    Being in this industry For so many years and seeing so much misleading information that comes across and what is solicited to every homeowner I came across his company and I was a little bit doubtful but after speaking with Connor he made me feel comfortable and actually we decided to proceed with the transaction everything went smoothly and I am very happy with this company and will be referring Hometap any other customers and friends that I do know that they are looking to be able to get some cash out of their equity of their home. Thank Connor and Hometap

    ...

  • author
    HB
    a day ago
    I don't write many reviews because…

    I don't write many reviews because everyone is so different in what they need and like. But when I found a financial product that could benefit many homeowners at different stages of their lives, I felt I needed to give my opinion. We needed an influx of cash to help with unexpected home repairs, finish paying off debt and college expenses. We looked into Hometap, HELOCS, RE-FIS and other products and settled on Hometap. We liked the fact that this was an investment in our property and not another loan vehicle with monthly payments. We also liked the fact that the website allowed us to create numerous custom scenarios enabling us to see what the investment would cost us over a period of months and years. It turned out that this was the right product for us given our current needs and expected timeframe for selling our home in the future. It was also a much simpler and faster process than other financial vehicles. But perhaps the best and most refreshing aspect of the process was our senior investment manager, Chris Peterson. Chris facilitated the process expertly, was always responsive, answered all questions promptly and helpfully, and even got Hometap's associate general counsel on the phone with me to answer some pointed legal questions. Accordingly, I would recommend Hometap, and Chris, without reservation. Howard

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  • author
    Randy
    a day ago
    Beth was great

    Beth was great, she was very friendly and informative throughout the entire process. Highly recommended!!

    ...

  • author
    Jane
    a day ago
    Amanda Clair was excellent

    Amanda Clair was excellent

    ...

  • author
    Daniel B.
    2 days ago
    Professional, courteous, and patient

    I am very grateful to Justin for the time and effort he put into patiently answering all of my questions throughout the entire application process. He was always extremely professional and courteous. I highly recommend this company for anyone who is interested in a shared equity investment.

    ...

  • author
    Erik Klingeman
    2 days ago
    Nicole Garber was just like a good…

    Nicole Garber was just like a good friend. Without her. This would probably not happened. She deserves a promotion. Thanks Nicole.

    ...

  • author
    Alyse Bokshon
    2 days ago
    Great Customer Service

    I've been working with Danielle and she is very patient, answers all my questions and very helpful, personable and a pleasure to work with.

    ...

  • author
    Elaine
    3 days ago
    This was really pretty painless and my contact DBurns was the best very calm and helpful Elaine

    This was really pretty painless and my contact

    ...

  • author
    Chris
    4 days ago
    Victoria is amazing

    Victoria is amazing. She walked me through everything step but step and always answered my calls and texts very promptly. Now I get to use this investment to purchase an income producing vacation home. My equity is now working FOR me instead of just sitting in the house doing nothing.

    ...

  • author
    James Seymour
    Dec 03, 2021
    Absolutely fantastic experience

    Absolutely fantastic experience. My financial advisor Erin walked me through every bit of the process, and basically answered any questions I would of had, before I asked them. Because of this service i now can continue to build my portfolio without the worry of a high interest personal loan. If i could give a bigger thanks i would 10/10.

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  • author
    Jason
    Dec 03, 2021
    Great Job!

    Great Job! Was easy to do, had a great rep to work with and very helpful.

    ...

  • author
    Raymond
    Dec 03, 2021
    Extremely efficient and prompt service

    Extremely efficient and prompt service. The investment Manager who worked with me was pleasant and very helpful through the process. My manager was Victoria Bergevine.

    ...

  • author
    Mosezella
    Dec 02, 2021
    Hometap agent Justin was really great…

    Hometap agent Justin was really great his guidance, knowledge, and patience were greatly appreciated. I could have not done this without his encouragement and help. He assisted me in every way possible. Thank you Hometap.

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  • author
    Jeffrey
    Dec 02, 2021
    Very Courteous and Professional Staff

    Very courteous and professional service. No high pressure sales talk and gave a complete and thorough review of the process. Highly recommended.

    ...

  • author
    DL
    Dec 02, 2021
    It was a pleasure working with Charlie…

    It was a pleasure working with Charlie Lickwola. He explained the process throughly and was available to answer all questions promptly. The process of the application was easy and being able to upload documents needed directly to the Hometap site made it very smooth.

    ...

  • author
    Michael
    Dec 02, 2021
    I heard of Home Tap from a colleague…

    I heard of Home Tap from a colleague that benefited from your service. When I first looked up the H.T. website, I was contacted right away by phone from Victoria. I liked the personal touch of a phone call rather than total email or text correspondence. Victoria walked me through every step from the beginning. That made decision to move forward very comfortable. I will, and have already, recommend Home Tap to my friends and family. Thank you very much, Michael R. Gonzales

    ...

  • author
    Susan Early
    Dec 01, 2021
    Nicole Garber was Fabulous at steering…

    Nicole Garber was Fabulous at steering me through the maze. KUDOS to her. She is a true professional. Appreciate her very much.

    ...

  • author
    Timothy Partee
    Dec 01, 2021
    NO MORE HOOPS !

    Bobby Mendenhall was a pleasure to work with.He remained professional and courteous explaining the process and answering any of our concerns in a timely fashion which gave us a feeling of comfort working with him.It’s an easy process and glad we did it. Thanks again Bobby ! Hello Hometap ! Goodbye jumping through hoops with the bank to get ‘your’ money !

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  • author
    Harrison
    Nov 30, 2021
    BEST way to get rid of debt!

    If you're looking for a quick way to access your home's equity without taking on an additional monthly payment, Hometap is for you! Easy process, from my initial phone call to signing the documents was just a couple of weeks!

    ...

  • author
    Jeff
    Nov 30, 2021
    Andrew was very communicative and…

    Andrew was very communicative and informative. He made the process very smooth and easy to understand.

    ...

  • author
    Carol
    Nov 30, 2021
    Great company

    This started out as a very positive experience. When it got to the underwriters it slowed down due to the title company. Went on for three weeks and nothing came back. We have a clean title and I have no idea what company they use but they finally said this is taking to long. They made an exception and closed the loan. We sign this Friday. TJ Bannister responded to all my emails immediately. I gave 5 stars as this wasn’t Hometap but the title company that was dragging their feet.

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  • author
    George Pender
    Nov 29, 2021
    I can't say enough about how well my…

    I can't say enough about how well my account was handled and would highly recommend this service to everyone.

    ...

  • author
    Berto
    Nov 27, 2021
    Lengthy process but otherwise ok.

    Lengthy process but otherwise ok.

    ...

  • author
    Wayne
    Nov 26, 2021
    Everything went as planned

    Everything went as planned. The process was quick and easy.

    ...

  • author
    oseph
    Nov 24, 2021
    Great Serice

    Jonny did a great job explaining the process. And answered all the questions I had.

    ...

  • author
    Angela
    Nov 24, 2021
    Love my contact person

    Nicole was amazing and answered all of my questions and calls and even was ok with contacting my husband while I was working she’s amazing!

    ...

  • author
    Michael
    Nov 24, 2021
    Great customer service from Lauren

    Great customer service from Lauren. Explained the whole process in detail with very fast responses to all questions. Very satisfied.

    ...

  • author
    Jonathan
    Nov 24, 2021
    💯💯💯

    💯💯💯💯💯💯

    ...

  • author
    Lawrence M.
    Nov 24, 2021
    I tried to get the funds I needed from…

    I tried to get the funds I needed from other choices to no avail. Hometap took great care in assisting me in getting the funds. When you are at a loss. They stepped up with flying colors. Thank you

    ...

  • author
    William
    Nov 24, 2021
    Good service

    Good service, Justin Cascione was very responsive

    ...

  • author
    Lars Egerborn
    Nov 23, 2021
    The most pleasant experience to have…

    The most pleasant experience to have someone as knowledgeable and nice to work with as Nicole Gerber. Lars Egerborn

    ...

  • author
    Robert
    Nov 23, 2021
    Excellent job helping me achieve my…

    Excellent job helping me achieve my goals. Chris did everything possible to help me get this done. Any time we had an issue he was right on top of it. He was always available and really did an outstanding job.

    ...

  • author
    Jessica Wells
    Nov 22, 2021
    Very responsive and straightforward…

    Very responsive and straightforward process.

    ...

  • author
    Amy B
    Nov 22, 2021
    Surprisingly Quick and Easy from Start to Finish!

    I was extremely cautious at the start, but Nicole Garber was wonderful to work with and very patient with my many questions throughout the process. I would definitely recommend this option to others.

    ...

  • author
    Kelly Battles
    Nov 22, 2021
    We are so impressed with Hometap

    We are so impressed with Hometap! Ned was wonderful throughout the entire process. It was pretty painless!

    ...

  • author
    Michael
    Nov 19, 2021
    I especially want to thank Nicole…

    I especially want to thank Nicole Garber for her support and patience since the approval process was arduous. The difficulties stemmed from my situation not Hometaps.

    ...

  • author
    Jerome
    Nov 19, 2021
    Everybody throughout the whole process…

    Everybody throughout the whole process was very professional and courteous

    ...

  • author
    Shin Hwang
    Nov 19, 2021
    Great service

    Great service! Brian walked me through the process and it was very easy to follow. He was extremely knowledgeable and gave me the best advice based on my personal situation. I will definitely recommend Hometap to other friends. Again, thank you so much Brian for your help and you made me feel comfortable using the service!

    ...

  • author
    Thomas
    Nov 17, 2021
    Hometap helped me get what I needed…

    Hometap helped me get what I needed when I needed it. Thanks

    ...

  • author
    Anita
    Nov 17, 2021
    Chris Peterson was very helpful and…

    Chris Peterson was very helpful and professional.

    ...

  • author
    Daniel
    Nov 17, 2021
    Working with Danielle was extremely…

    Working with Danielle was extremely pleasant. Very knowledgeable, professional and answered all our questions. Very easy process

    ...

  • author
    Edward Ferrante
    Nov 17, 2021
    This was a life saver

    This was a life saver. It gave us a fresh start and will give me oppurtunity to start fresh and give me leverage to consider selling and already get pre approval for a new home when the time comes.

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  • author
    Dominique
    Nov 17, 2021
    Would 100% recommend!! But do your own research to make sure it’s right for you!

    Spencer was awesome! My process took a little longer than expected, due to my mortgage company taking forever with paperwork, and one issue with the title that was out of my control, but Spencer worked eagerly to fix the error with the title company, and it didn’t cost me anything extra. Spencer was right there every step, consistently following up with me, I would upload documents so easily onto the portal. We kept great communication through email and mostly text message (because this was more convent for me) we would have phone conversations when necessary. Once I uploaded the last document and signed my contract, I had funds within 4 days. The best part of this program is, there are no monthly payments, and you have 10 years to decide to sell the home or buy Hometap out from their investment. Yes, you will have to pay more than was originally invested, but you would have to do the same for a regular equity loan. The good thing is, they have a calculator that basically tells you a great estimate of what you would need to pay back. This is not for everyone, I would recommend reading their website, doing a consult, and asking questions as they pertain to your situation. But this was an amazing option for us. Spencer was great with the entire process, very helpful, kind, non-judgmental, he was genuine and really wanted to help with the process, for a great outcome for myself and Hometap.

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  • author
    Michael
    Nov 17, 2021
    Beth has been great!!

    Beth has been great, she explained everything clearly and helped me make an informed decision.

    ...

  • author
    Mitchell
    Nov 16, 2021
    Very happy she Did a great job Danielle…

    Very happy she Did a great job Danielle mccoy

    ...

  • author
    Eric
    Nov 16, 2021
    Worked Out Great For Me!

    I found out about Hometap from an online article. After doing my own investigation, I found myself in the right situation to be able to go with Hometap for an investment vs. a conventional HELOC. I submitted the application and worked with Matt C. I had my investment money in my account about 3 1/2 weeks later. Definitely do your research to see if this is for you, because it won't work for everyone. For example, you have to have a certain amount of equity in your home, and they will only invest so much. Also, you will pay Hometap more at the back-end if your property keeps climbing in value. But you don't make payments at all on their investment, for up to 10 years! If this works for you, then you won't be disappointed!

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  • author
    Roxanne
    Nov 16, 2021
    Be careful. Credit matters

    I initially looked into Hometap because I couldn't refinance due to my credit not being up to par. Only reason why my credit wasn't up to par was because of my credit card balances. Not because I owed or didn't pay on time. I also didn't have enough mortgage payments completed to be able to do a regular equity loan. My whole intent of wanting the loan was to pay down debt and get a fresh start. I applied and Lauren Barber was assigned to me. Very nice lady however I believe she was not as knowledgeable as she should be. First thing was I was told I was not qualified due to having foreclosure activity. That was not the case and once I asked questions she did some research and figured out I was still eligible. When they checked my credit (soft check) I initially qualified but was never told to not use my credit cards so my credit score doesn't go down. Hometap literally uses credit not being an issue as an advertising angle so I wasn't concerned about balances. It took longer than expected to get the documents they needed and then Lauren went on vacation so by the time they re-ran my credit, I was disqualified. The whole reason why I was doing this was to pay my debt off. I was paying on my credit cards but was still using them trying to make it until the loan went through. Which in turn, made my credit score go down. I wouldn't discourage anyone from doing this as long as you have a plan and are well informed. I am putting this review so that other people who really need help understand that they do go by credit to a certain extent. Do not use your credit cards or do anything that will cause your credit/FICO score to go down because despite them advertising that credit is not an issue, it is.

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  • author
    DougG
    Nov 16, 2021
    Simple Process

    Simple process! Beth was very easy to reach when questioning the associated scenarios.

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  • author
    Ester
    Nov 15, 2021
    i was very pleased with the service and…

    i was very pleased with the service and they were very friendly and helpful!

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  • author
    Jay
    Nov 15, 2021
    The process was easy to understand and…

    The process was easy to understand and very quick. Our investment manager was very helpful in answering questions we had and was extremely responsive, which is always appreciated.

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  • author
    Richard
    Nov 12, 2021
    6 Stars!

    Pleasure to work with. Simple and quick process. I would give 6 stars if possible!

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  • author
    Bobby
    Nov 11, 2021
    Very easy process that will help me…

    Very easy process that will help me secure a great future.

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  • author
    jason0
    Nov 11, 2021
    Quickest and simplest way to use the…

    Quickest and simplest way to use the equity in your home. best experience i have ever had with any financial service.

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  • author
    DANIEL JEROME
    Nov 11, 2021
    This was a very easy and…

    This was a very easy and straightforward transaction. Home tap did everything they said they would and the communication with my representive Tony Marcucille was excellent and I would recommend him to anyone who whats to work with Hometap.

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  • author
    Charles
    Nov 11, 2021
    Nicole is the Bomb!

    Nicole is so friendly and very helpful. She made the process so simple and easy. I love Hometap's concept. They have streamlined the borrowing process! Making it efficient, less paperwork needed and friendly (Nicole) service! This is a great avenue for anyone looking to capitalize on equity, but especially great for a real estate investor. I can't wait to make the next deal!

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  • author
    Qutul-Qulub
    Nov 11, 2021
    Good evening

    Good evening. My experience with your company was PHENOMENAL, Matt Cutler kept me informed, guided me with the patience of a parent!!! Lol. He never made me feel inadequate at my lack of knowledge regarding this process. He gave me answers before I asked and made sure that I completely understood what I was doing. I didn’t feel like he was just peddling information to make a sale. I am very happy with Hometap, and of course Matt!!!

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  • author
    Carol
    Nov 10, 2021
    Do they know what they are doing?

    I went with Hometap because of their 3 week escrow. Simple deal. One house, one lien, no easements, junior liens, mechanic's liens, tax liens, clouds on title. To me, 3 weeks is too long anyway. Ridiculous. App first wk in Aug. Escrew has not YET closed, 10th of NOVEMBER! This is three weeks? Like 2-3 weeks to flatten the curve! Allegedly will close sometime next week. Do I trust their word? Hmmm.. Has totally disrupted my life, caused me great harm. Total nightmare!

    ...

  • author
    Happy property owners
    Nov 10, 2021
    Thorough, friendly, organized, responsive, five stars!

    This whole process was a joy. We had lots of questions, and there were a couple of issues along the way. Not to worry, from day one our rep Jonny was on-the-ball, with near instant responsiveness, deep knowledge and a great personality. He thoroughly explained things at each step, answered all our questions, and responded promptly at every turn. We recommend Hometap to anyone who are looking at alternatives to a standard HELOC. Five stars!

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  • author
    PAUL
    Nov 09, 2021
    excellent experience

    I just completed my second Hometap investment with Jonny Friedman and as usual, he was fantastic.I highly recommend him as he is attentive, knowledgablefriendly and most importantly,quick to respond to any questions that I had....5 stars indeed!!

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  • author
    Ebbie
    Nov 09, 2021
    Ned Beckwith gets an A+ for handling…

    Ned Beckwith gets an A+ for handling this investment for us. There were issues we dealt with that nothing to do with Ned, however, he was supportive, professional and responsive to all our issues and questions. We have already recommended Hometap to our sister and she has already received her investment. Thanks to Ned for all he did to get us through this process.

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  • author
    Isabel C.
    Nov 09, 2021
    My representative from the very start…

    My representative from the very start to the very end of receiving our funds was Kaleigh McMahon it was a pleasure to deal with her she answered all of my questions with a very quick response. This actually was a blessing in disguise to say the least, that I will be able to pay off some credit cards and get some home improvements done without the worry to have to make monthly payments on a high interest loan. If you have equity on your home - this is the way to go..

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  • author
    Carole
    Nov 09, 2021
    Hometap review

    My representative Tony was wonderful!! He explained everything to me in detail and always answered all my questions. The time from beginning to being scheduled for closing was smooth and relatively easy,?although I had help from my daughter who aided in submitting the required documents. I would highly recommend Hometap to my friends; my daughter is a customer who told me about Hometap. Definitely 5 stars!!!

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  • author
    DAN
    Nov 09, 2021
    Hometap was very easy to work with

    Hometap was very easy to work with - especially Dashaun and Zach...both very helpful and professional. I haven't yet signed the documents or received the funds but I should be all finished up by next week. I also give your website high marks for ease of use!

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  • author
    Michael
    Nov 08, 2021
    Jason is very attentive and has…

    Jason is very attentive and has excellent product knowledge

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  • author
    Usha
    Nov 08, 2021
    👍🏼

    It was simple and straightforward.👍🏼

    ...

  • author
    Tasha
    Nov 08, 2021
    Victoria was such a pleasure to work…

    Victoria was such a pleasure to work with! She was responsive, friendly, and knowledgeable regarding the product. I would recommend working with Hometap.

    ...

  • author
    Roseanna Glassberg
    Nov 08, 2021
    My experience with Home tap was one of…

    My experience with Home tap was one of the best choices I have made. I researched all I could regarding a refinance and still had a lot of questions. Brett Hinckley was my guy. He was wonderful. Every question was answered and he made sure I had a clear understanding every step of the way. Hometap was the perfect solution for me. For my purposes , this was the best solution financially. The cost of a refi was higher and the timeline much longer. I am a senior , and making these decisions on my own is relatively new. Brett gave me all of the information I needed , patiently and professionally. Using Home tap was a choice I feel good about and achieved exactly what I needed.

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  • author
    Mitch
    Nov 06, 2021
    Excellent Experience

    Our experience with Hometap was simply outstanding. Our investment manager Beth was excellent throughout the process and all questions were answered in a clear and timely manner.

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  • author
    Deborah
    Nov 05, 2021
    Awesome company and my broker was…

    Awesome company and my broker was terrific, she talked me through the few steps and explained everything to me , I would definitely recommend them to anyone who needs some money fast and has the equity to take that route .

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  • author
    Joseph
    Nov 03, 2021
    So far....so good.

    So far....so good.

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  • author
    Brian
    Nov 03, 2021
    Spencer did a great job

    Incredible team. Incredible opportunity. I compared hometap to their competitors and was amazed by the transparency about every detail. Accessing our home’s equity has positioned our family for even greater wealth creation.

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  • author
    David
    Nov 02, 2021
    Nicole was fantastic

    Nicole was fantastic

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  • author
    Elizabeth
    Nov 02, 2021
    I was happy that I found this…

    I was happy that I found this alternative to a reverse mortgage and Justin Cascione made the process easy and enjoyable.

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  • author
    Tyler
    Nov 02, 2021
    Very thorough

    Very thorough, quick, and easy to work with!

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  • author
    Brian
    Nov 02, 2021
    Very smooth process

    Very smooth process. Alot quicker then other companies offering the same type on investment. They really helped me out in a bind when my refinance company didn't payoff the debt they said they were. I would recommend hometap if you need to use a service like theirs. Victoria helped guide me threw the process explained every question I had, and always promptly returned every msg I sent.

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  • author
    ALM
    Nov 02, 2021
    Absolutely worth it

    Originally I reached out for information and ultimately we decided to try traditional routes first. Came back around a few months later and the process has been straightforward and relatively painless. Very easy to navigate, Very knowledgeable and friendly staff. Thank you Chris! We couldn’t do a traditional lender and Hometap has made it so we will be able to consolidate bills and renovate our home.

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  • author
    Victor & Myra
    Nov 02, 2021
    Jason was awesome to work with!

    Jason was awesome to work with!! He kept us in the loop with everything.He's very knowledgeable. He is also patient and took his time to make sure we understood everything correctly.

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  • author
    GREGORY R
    Nov 01, 2021
    Brett was excellent to work with

    Brett was excellent to work with, the process had a few technical glitches along the way but everyone rebounded quickly. Looking forward to finishing the process.

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  • author
    Melea Fields
    Nov 01, 2021
    Christopher Peterson was extremely…

    Christopher Peterson was extremely patient and helped me understand the process and investment. This was overall very simple and will help tremendously.

    ...

  • author
    Carol
    Oct 31, 2021
    Three-Week Escrow = More Than Three Months!

    Today is Halloween. Escrow was to be three weeks starting first week in August! And it is NOT FINISHED YET!!! I cannot think, sleep or eat properly I am so distraught. Their internal procedures are not efficient. The house is in a trust, they had a copy of the entire trust for a MONTH before they even looked at it! They finally did THE WEEK OF FUNDING! Their lawyer (lawyers=notorious deal killers) finally looked at it, said they could not fund to this trust. So then it was up to ME to hire a lawyer to fix it somehow. Then there was the disappearing photographer! They have a subcontractor that takes the photos or the client can with their app and gps. The sub sent me the directions, I was set to do it, called the tenant for a time. She said, oh, he's already been here, taken them. I called Hometap who knew nothing and neither did the sub. NO ONE KNEW WHO HE WAS!!!!! Finally about 1.5 weeks later he surfaced, probably wanting to be paid. Meanwhile all is on hold because they do everything linearly, don't even start the next step until the previous is finished. Now to add insult to injury, I'm getting their marketing emails bragging about a 3wk escrow! That's as credible as "two weeks to flatten the curve".

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  • author
    K Johnson
    Oct 30, 2021
    First

    First, let me say that the entire concept is genius. When I came across this company via social media I thought it was a scam. After some due diligence, I realized I was wrong. They were very transparent throughout the process. However, there were some hiccups along the way. There was some miscommunication that led to some preventable delays. Nevertheless, we made it to the finish line and I am pleased. I would recommend them to others without hesitation.

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  • author
    Mark Miller Jr
    Oct 29, 2021
    Hometap FTW!

    Great experience! Victoria was amazing, friendly, informative, and attentive which made the process super smooth.

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  • author
    Katrina Miller
    Oct 29, 2021
    Wonderful experience

    I recently expressed interest in an Investment from this company several months ago. I was quite skeptical at first, and went through a ton of pages of reviews for them, as well as looked through all their FAQs, and about sections. Eventually, I took a leap of faith and applied with them (plus, this debt , and business expenses arent gonna pay themselves off) 10 years is also more than enough for us to get where we need to be and settle our payment! Amanda Clair was nothing but kind, patient, and helpful. Any questions my co applicant or I had, or any obstacles reached, she was there every step of the way! I thank her for her patience and willingness to work with us, despite all our millions of questions and skeptical demeanor. I recommend this to those who feel they have no other choice, and need cash asap.

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  • author
    Carl
    Oct 29, 2021
    Kaleigh has been amazing!

    Kaleigh has been amazing! Thanks so much, We are getting our new addition that we have been wanting for years. Thank You, HomeTap!

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  • author
    Michael
    Oct 28, 2021
    Spencer was AMAZING

    Spencer was AMAZING! Kept me up to date continuously and walked through all the details so the process was easily understood.

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  • author
    Jeffrey
    Oct 28, 2021
    Hometap, A Great Alternative to Cash Out Home Equity Loan

    Hometap is an ingenious and creative alternative to cash out refinancing. The process has been seamless and Brett’s follow up is outstanding. With finance companies you’re always waiting for that speed bump or fork in the road that’s going to lead you down a different path. Hometap stood behind what they said from beginning to end. If you’re looking to free up some home equity and use it to your advantage, I recommend Hometap. No hidden tricks, just good customer service the whole way through.

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  • author
    Beth
    Oct 27, 2021
    Hometap was easy and fast

    Hometap was easy and fast, Brett was great to work with.

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  • author
    Austin West
    Oct 27, 2021
    Worked with Brett

    Did my research before reaching out to Hometap and got estimates from others as well. Hometap offered the best amount and most reasonable rates, and Brett was great at keeping me informed along the way. Made it as painless of a process as it could be.

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  • author
    customer
    Oct 27, 2021
    Horrible Experience…

    Horrible long drawn out experience to get lied to and then not get the finances I needed. Caused me horrific problems. Worst ever experience. AVOID

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  • author
    Maxine
    Oct 26, 2021
    I worked with Bryan

    I worked with Bryan, who was very informative. I'll work with this company again.

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  • author
    Mathew
    Oct 25, 2021
    Spencer's the man

    Spencer's the man! Give that guy a raise. I must admit, I shopped around after I spoke to Hometap and they were by far the best. Their structures and policies are better than the rest.

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  • author
    David
    Oct 23, 2021
    Chris is a pleasure to deal with

    Chris is a pleasure to deal with. Very professional, transparent communication, and always available to answer my questions.

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  • author
    EJ
    Oct 23, 2021
    Hometap

    The whole experience went smooth everything was explained to me by Matt. He also kept in touch with me during the process keeping me informed of how things were going.

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  • author
    Craig M
    Oct 22, 2021
    Great experience...great team.

    Over the years we've gone through mortgages, refi's, etc. This, while not being quite as extensive as a purchase, was by far easier and much smoother than other refis or loans. The information is easy to understand and customer service and communication was exceptional. Our investment manager Kaleigh McMahon was outstanding, head and shoulders above other banks and loan companies we've dealt with. If you're researching options, we highly recommend Hometap.

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  • author
    MPE
    Oct 22, 2021
    My investment manager Kaleigh McMahon…

    My investment manager Kaleigh McMahon was outstanding. She was very friendly, knowledgable and a great communicator. I sk a lot of questions and she was always available. What I didn't like was the time it took this deal to close as it was a few weeks longer than I expected. The virtual appraisal did not work even when working with the help desk (3rd party contractors, I believe). They told me their product had issues. Nonetheless, I lost about a week before the in person appraiser could visit my home. Finally, I thought the underwriters were a bit too rigid. I've worked in audit before so I am aware of policies and procedures however some requests seemed somewhat unnecessary. They wanted me to produce a 2 year loan document from my prior mortgage company Wells Fargo. I searched high and low and could not find it. The document in question was merely an email stating I was on a sort of mortgage payment delay plan. I had to call Wells Fargo to even find this document. Not even sure why you needed this info. The underwriters also wanted some sort of Forbearance amount due quote from my current loan servicer SLS. Not sure why this document was even necessary as my monthly mortgage statement clearly indicated what the total amount due was (which included the past due forbearance amount). Of course when this reinstatement quote was obtained it tied to the latest monthly mortgage statement that I had already provided. In closing, yes I was very please and would highly recommend your company. Very professional and your online account dashboard is top notch!

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  • author
    Richard
    Oct 22, 2021
    Deshaun is AWSOME!

    Deshaun is AWSOME!! My investment was a tough one on my end. There were many challenges on my end, loaded with debt, equity rich and cash poor. Deshaun was always available to answer my numerous calls and texts, so many of them, and would walk me through each step of the process. Today i was funded and am able to payoff all my debt. I will most definitely recommend Deshaun and Hometap to anyone who is looking for an equity partnership

    ...

  • author
    Hilarie
    Oct 21, 2021
    The process is fairly straightforward

    The process is fairly straightforward. Beth was very helpful. Personally I’d love to see them narrow the window to 3 weeks start to finish but I understand there are other factors at play. All in all we are pleased with Home Tap!

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  • author
    Michael
    Oct 22, 2021
    Misunderstandings, but great results

    In a wasteful manner, ridiculous inquiries were made regarding past refinances, delaying the investment. Then, upon signing the final contract, four days later another form had to be signed. Why this was not included in the initial contract signing is a mystery. So now, Hometap has an investment in my property in which I have not received any money. I am not pleased, and will advise anyone who asks to be wary of the company. Since I wrote the above review, any issues have been cleared, and the funds received in a timely manner. Because of the apparent miscommunication and understanding, I am changing this to a positive review. I will and would recommend Hometap for people in similar positions. I am leaving the above review just so that anyone considering working with Hometap to understand that it can be a confusing and sometimes frustrating experience, but in the end, well worth it.

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  • author
    Lisa Guidotti
    Oct 20, 2021
    The Pocess was Great and Easy

    The process was great and easy, Spencer was awesome. Received our funds within 5 business days. This is an awesome way to get SOME of the equity in your home in a fast and convenient way. However, there are a few things to consider first: you only receive 28% of the home’s value (hopefully you are OK with that because you won't get too much more of your equity in the end, if any); secondly, if you are not going to sell your home & pay off Hometap within a year, you might really want to look at the fine print (problem with that is you won't see that until signing your docs) because the amount increases exponentially. And, pay attention to this, that 37%, or lower %, they say you would owe if the home depreciates, what they really mean is you would owe the full amount of your home’s appraised value from when you 1st sign the paperwork. If paid within the 1st year, the amount you owe is exactly the same for both, either the home’s appreciate or depreciate value. If you don't have a good credit score and you need access to cash fast, Hometap is probably just what you are looking for.

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