Hometap lets you tap into tomorrow's home value, today - without having to make monthly payments. Hometap is an investor that provides qualified homeowners a new way to fund important opportunities including renovations, small businesses, debt repayment and education.
Written by the business, not verified by us.Hometap (hometap.com) has a 4.9 out of 5 rating on OK.one, based on 224 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 99% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-26.
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, patient, and knowledgeable throughout the entire funding process, ensuring every important detail is thoroughly addressed. People note that dedicated representatives explain each step clearly, maintain constant communication, and make sure all personal concerns are fully answered. Consumers appreciate the remarkably simple, seamless, and straightforward user experience that makes obtaining a loan much easier and far less stressful. Reviewers constantly note the extremely prompt response times, professional communication, and efficient service delivered by everyone involved from start to finish.
Auto-generated from all reviews of this business. For reference only.This was a great experience. My Hometap adviser, Rafael was so helpful and patient with me through the process. He answered every question and responded promptly to my emails and calls. I will recommend Hometap to my friends.
Thank you, Kathy! We're thrilled to hear you'll be recommending Hometap to others.
Thank you, Mitchell!
I had a great experience working with Eric Kessler from Hometap. He was extremely helpful throughout the entire process and took the time to guide me through each step, answer all my questions, and make sure I understood what to expect. Eric was professional, responsive, patient, and very easy to work with. He made the entire process feel smooth and straightforward, which I really appreciated. And as a fun bonus, we found out that we share the same birthday! That definitely made the experience even more memorable. 😊 Thank you, Eric, for all your help and guidance. I truly appreciate the excellent service and would definitely recommend working with him!
Thank you, Jewel!
Thank you, James!
Hreat customer service from Rep. Joe. He guided me on everything I needed to do for my application progress. Explained everything very throughly
Thank you, Ronald! It's great to hear the team guided you every step of the way.
Application was ez and quick to download. Out representative was always available to assist and update us.
Thank you, Richard! We're happy to hear you experienced a smooth experience.
All information completely explained. Alex Merak has been very helpful and easy to work with. Thank you!
Thank you for sharing your 5-star review!
They were easy to work with. Answered all my questions clearly and took a huge weight off my shoulders. Thank You
Thank you, Lesley! It's great to hear you enjoyed working with the team.
I worked with Eric. He was very helpful. Explained everything, helped me to send certain info. He was available when I needed him. Thank you
Thank you, Liz! We're happy to hear the team explained everything to you.
Chase was great to work with and he kept us up to date at every turn.
Thank you, Migdalia! We're happy to hear you found Chase great to work with.
Process was well done and easy. My manager Madison was very helpful and on top of everything. Thank you Hometap
Thank you, Kimmie! It's great to hear your Investment Manager, Madison, was on top of everything.
Thank you, Chris! We appreciate your 5-star review.
The process with Hometap was smooth and quick. Doing this HEI saved us from filing bankruptcy, because we were eaten up with credit card debt, and could not get approved for any other kind of loan to consolidate due to our debt to income ratio being too high. Hometap saved us. I however would not resort to doing a HEI unless the situation was dire like mine, because you will end up paying A-LOT back to Hometap when you decide to refinance, sell or pay them back yourself. If you do use Hometap, it would be wise to refinance or sell ASAP, and do not wait the whole 10 years. You will end up owing them A-LOT more of your equity than you borrowed. But again, in a dire situation like mine, Hometap was our best and really only option. As long as you refinance quickly, the payback won’t be too bad. I really appreciate Hometap because it gave me a huge break when I really needed it. I was able to pay off almost all of my debt, and now I have an opportunity to breathe while I figure out the rest. My HEI investment manager Michael was nice and, for the most part prompt in responding. Also, when there was a delay in closing due to no fault of them or me, they compensated for that, so that was appreciated as well. Overall it only took about a month to finalize everything, and I got the money in my account in exactly 7 days after signing.
Thank you for your thoughtful review, Deanna!
Kale was great , everything moved along seamlessly and on time. This is an option that works great for me and im happy I made this decision
Thank you, Carole! We're happy to hear you found the team excellent to work with.
My settlement agent was very patient and thorough, and a good communicator. He explained all aspects of the process to me! I’m very happy that after an extreme medical condition ruined us financially, that there is through the home equity agreement, an opportunity, that is going to improve our financial future and get our finances back in order! Thanks Victor!
Thank you, Patricia! It's fantastic to hear you found your Investment Manager patient and thorough throughout the process.
I get it, looks great, like a HELOC, but no monthly payment but buyer beware! Not only did I get dropped by my homeowner's insurance but they actively went out of their way to squash my home refinancing recently. They are intrusive into your home's financing in a very off putting way and are extremely less than forthcoming on their valuations and how they come up with their math. And when pressed on the logic (or lack thereof) on their math, their numbers change! When my bank, the largest bank in the US mind you, also found their practices less than logical or permissible even, they pressed them as well to explain their rationale, they refuse to respond.
Hi Adam, we're sincerely sorry with the frustrations you are currently experiencing. Our team is here to support you and we understand you're in the process of communicating with them. Please reach out with any additional questions or concerns.
Thank you, Joshua!
They take their time and walk you through everything and they are very professional.
Thank you, Alray!
Brian, the investment manager, made the whole process very personable and smooth!
Thank you, Keith! We're happy to hear the team provided you with a personable and smooth process.
Justin made the process seamless and quick.
Thank you for sharing your experience with us!
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