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Hometap We help you understand your home equity — and tap into it — with tools, insights, and our industry-leading home equity investment. NMLS ID # 2819930

Hometap Homeownership Solutions, LLC dba Hometap.

As you pay down your mortgage principal, you build equity — the share of your home you own outright.Once you have equity...
10/14/2026

As you pay down your mortgage principal, you build equity — the share of your home you own outright.

Once you have equity, there are a few ways to access it. Michael used a home equity investment: he received cash up front in exchange for a share of his home's future value. There are no monthly payments during the investment term — instead, he'll settle the investment at the end of the term, typically by selling or buying out Hometap's share.

You're helping your daughter with college while making sure your dad can age comfortably at home — all at the same time....
10/07/2026

You're helping your daughter with college while making sure your dad can age comfortably at home — all at the same time. The financial pressure of the sandwich generation is real, and it can come from every direction.

If you're a homeowner, the equity you've built is one resource worth understanding. Our guide explores how your equity can help address several needs at once, and the ways you can access it to support multiple generations of your family. This includes a Hometap home equity investment, which has no monthly payments.

Dive in below: https://bit.ly/4zwQsl5

09/29/2026

Everyone says that you should never touch your low mortgage rate. They might be right.

If you locked a rate in at two or three percent, refinancing today means trading in that entire balance just to access a portion of your equity. For many people, that math doesn’t make sense.

Accessing your equity doesn’t always need to mean refinancing your mortgage. A home equity investment, for example, doesn’t impact your rate — and its just one option among many that can offer homeowners the flexibility they need.

There are other ways to think about your equity. Learn more at the link in bio.

Your home's market value is what buyers would pay for it today — and it's a key part of figuring out your equity. Subtra...
09/26/2026

Your home's market value is what buyers would pay for it today — and it's a key part of figuring out your equity. Subtract what you still owe on your mortgage and any other liens, and what's left is the equity you've built.

Once you know that number, you can start to see your home as an asset you can put to work. That's the realization that led Daniel to explore his options. A home equity investment gave him access to his equity in cash in exchange for a share of his home's future value, with no monthly payments during the 10-year investment term.

Curious about your home's equity? Learn more on our website.

hometap.com/blog/how-to-calculate-home-equity?utm_source=facebook&utm_medium=organic_social&utm_campaign=homeowner_education&utm_content=glossary_marketvalue

"Why wouldn't I just take out a HELOC?"This a common question for today's homeowner who are reviewing their options. The...
09/24/2026

"Why wouldn't I just take out a HELOC?"

This a common question for today's homeowner who are reviewing their options. The truth is that sometimes, a HELOC is the better fit. It works differently than a home equity investment, so the right option depends entirely on your situation and goals.

Here's the comparison on an $80,000 project.

A HELOC is a revolving line of credit secured by your home. You're approved for a set amount and draw cash as you need to, which means you pay interest on the amount you draw. The trade-off is that you have a monthly payment. That rate can be variable, so it could change over the life of the HELOC.

With a home equity investment, you'd receive the $80,000, minus applicable costs and fees, as a lump sum and make no monthly payments. Instead you settle by the end of the term — typically when you take out a loan, refinance, buy out the investment with savings, or sell your home — and the settlement is based on a share of your home's value at that time. If your home has appreciated, the settlement amount reflects that.

There isn't a "winner" here. But there is a fit. There are two questions to consider: what can your monthly budget comfortably carry, and when do you realistically expect to sell or refinance?

You can learn more here: https://bit.ly/4zROE6w

09/22/2026

There is a lot of conversation around low interest rates and turning a starter home into a forever home. While your mortgage rate may be the practical reason for staying put, its never the only reason.

It’s the neighbors. The walk to school. The tree in the yard that took fifteen years. You can put a price on a mortgage rate. You can’t put a price on the life you build in your home.

A home equity investment is one way to access some of your home’s value without a monthly payment, so you tackle life’s priorities without compromising on your mortgage rate, your cash flow, or your address.

Evaluate an HEI against all of your other options — link in bio.

The largest asset most homeowners have is the one right under their roof: the equity in their home. It grows steadily ov...
09/21/2026

The largest asset most homeowners have is the one right under their roof: the equity in their home. It grows steadily over years of mortgage payments and rising value — but until you sell your home, it can feel locked away when you could use some breathing room.

It doesn't have to. If you're carrying higher-interest balances, the equity you already have is one way to access funding without adding another monthly payment to your budget. A home equity investment gives you that cash in exchange for a share of your home's future value or appreciation, with no monthly payments during the investment term.

It's one option (among several) for accessing your equity, and it's worth understanding alongside home equity loans, HELOCs, and personal loans — just to name a few. Swipe through for the details, and learn more here: https://bit.ly/4xS2aF8

09/19/2026

250 years into the American Dream, we wanted to know: what does home really mean to homeowners today?

We chatted with a few of them in Miami — and their answers might surprise you.

Learn more about what we found below, and follow along for more stories like these.

https://bit.ly/45PdcPL

09/18/2026

Home means something different to everyone. As part of our celebration of America's 250th birthday, we wanted to know what it means right now — so we hit the streets in Los Angeles and asked homeowners directly.

Follow along to see how they're feeling.

Your mortgage payment is the one number in homeownership that mostly stays the same. Everything around it, on the other ...
09/18/2026

Your mortgage payment is the one number in homeownership that mostly stays the same. Everything around it, on the other hand, continues to shift.

Property taxes get reassessed. Insurance premiums (usually) increase. Utilities spike with the seasons.

None of it typically moves very dramatically in a single month, which is exactly why it's easy to miss until you compare bills year over year.

Add all of the costs up, and the gap between "my mortgage payment" and "what my home actually costs" is much wider than most budgets assume — and it grows even in a year where nothing else about your house changes.

If you haven't run the numbers recently, it's worth doing. Our Cost of Homeownership Assessment walks through it: https://bit.ly/4hYNzTP

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Boston, MA
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