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Hometap: Home equity investment company providing homeowners cash upfront for a stake in their home, an alternative to loans.
Hometap has raised $582.0M across 6 funding rounds.
Key people at Hometap.
Hometap has raised $582.0M in total across 6 funding rounds.
Hometap, based in Boston, Massachusetts, provides homeowners with upfront cash through home equity investments, taking a minority stake in their residential property without requiring monthly payments, serving as an alternative to traditional loans. The company has deployed over $2 billion to more than 22,000 homeowners across 16 states, including Arizona, California, Florida, and New York, and also offers a free Home Equity Dashboard for financial education and tracking home value. Hometap passed $1 billion in home equity investments by January 2024, reflecting its significant market presence. In December 2025, the firm secured $50 million in funding led by Gallatin Point Capital to accelerate product expansion and adoption. With approximately 314 employees across three offices, Hometap was founded in 2017.
Hometap is a Boston-based fintech company founded in 2017 that provides home equity investments (HEIs) as a debt-free alternative to traditional home loans. Homeowners receive cash—up to $600,000—in exchange for a share of their home's future appreciated value, with no monthly payments required over a term of up to 10 years; repayment occurs upon selling, refinancing, or settling the investment based on the home's value at that time.[1][3][4] This solves the problem of locked-up home equity for U.S. homeowners, enabling funds for debt consolidation, home improvements, education, business startups, retirement, or investments, serving over 20,000 customers nationwide without adding financial stress.[1][3][5]
The company has shown strong growth momentum, surpassing $2 billion in deployed capital by late 2025 after hitting $1 billion in early 2024, supported by over $2 billion in committed capital from institutional investors like asset managers and family offices.[2][3] It employs around 320 people and maintains high customer satisfaction, with 5,000+ Trustpilot reviews.[2][6] Complementary products include the Home Equity Dashboard, a digital tool launched in 2022 for informed home financial decisions.[3][5]
Hometap was founded in 2017 in Boston, Massachusetts, by entrepreneurs recognizing that traditional home equity access—like loans or sales—often burdens homeowners with debt or forces relocation amid rising living costs.[1][4] The idea emerged from a shift in homeownership dynamics, where equity is no longer just a "nest egg" but a tool for life's opportunities, addressed through an investment model rather than lending.[4] Early traction built on this no-monthly-payment HEI structure, scaling to help thousands while attracting capital partners.[2][3]
Pivotal moments include rapid expansion post-2022 with the Home Equity Dashboard and crossing $2 billion in investments by 2025, reflecting trust from homeowners and investors amid growing demand for flexible equity solutions.[3] Leadership, including CEO Jeffrey Glass and President/COO Sarah Dekin, has steered its evolution into a 185-320 person tech-enabled firm focused on data-driven underwriting and nationwide reach.[2][3][6]
Hometap stands out in the fintech and real estate financing space through these key strengths:
These elements create a "win-win" for homeowners and investors, bypassing traditional real estate's inefficiencies.[2]
Hometap rides the fintech disruption of home equity financing, tapping into $30+ trillion in untapped U.S. residential equity amid high interest rates, inflation, and housing shortages that lock wealth in homes.[2][4] Timing is ideal post-pandemic, as homeowners face affordability crises—rising costs for renovations, education, and debt—while traditional loans burden budgets; Hometap's model aligns incentives with home value growth, fueled by persistent appreciation trends.[1][3]
Market forces like regulatory shifts toward non-lending equity products and investor appetite for residential real estate alternatives favor its growth, positioning it against peers like Point while influencing the ecosystem by normalizing HEIs, expanding geographic access, and broadening products to empower 20,000+ users.[1][3] This democratizes wealth, reduces foreclosure risks, and scales tech-driven investing in proptech.[2][5]
Hometap's trajectory points to continued scaling, with plans to broaden product offerings, geographic footprint, and investor vehicles amid rising equity demand.[3] Trends like AI-enhanced underwriting, further home price appreciation, and economic volatility will shape its path, potentially pushing deployed capital past $5 billion while enhancing tools like the Dashboard for personalized advice.
Its influence may evolve by pioneering HEI standards, attracting more institutional capital, and redefining homeownership as a dynamic asset class—ultimately making equity a true engine for life's opportunities, true to its founding mission of less stress and more accessibility.[2][4]
Key people at Hometap.
Hometap has raised $582.0M in total across 6 funding rounds.
Hometap's investors include Gallatin Point Capital, Dan Reed, Bain Capital, G20 Ventures, Adam Valkin, ICONIQ Growth, Pillar VC, American Family Ventures, Commerce Ventures, Founder Collective, Pace Capital, General Catalyst.
Hometap has raised $582.0M across 6 funding rounds. Most recently, it raised $50.0M Other Equity in December 2025.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Dec 9, 2025 | $50.0M Other Equity | Gallatin Point Capital | |
| Sep 8, 2025 | $300.0M Debt | ||
| Dec 6, 2021 | $60.0M Other Equity | Dan Reed | Bain Capital, G20 Ventures, Adam Valkin, ICONIQ Growth, Pillar VC |
| Dec 1, 2021 | $60.0M Series U | American Family Ventures | Commerce Ventures, Founder Collective, G20 Ventures, Pace Capital, Pillar VC, Bain Capital, General Catalyst, ICONIQ Growth |
| Dec 1, 2019 | $100.0M Series B | Commerce Ventures, Founder Collective, G20 Ventures, Pace Capital, American Family Ventures, General Catalyst, Nugi Jakobishvili, Pillar VC | |
| Apr 1, 2018 | $12.0M Series A | G20 Ventures | American Family Ventures, Commerce Ventures, Founder Collective, Pace Capital, Pillar VC, General Catalyst |