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.
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Is Hometap legit?
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.
What reviewers say
AI generated
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.
Your fees are redicilous, instead of helping people, you hurt them financially, also it’s a rip off that you take so much from the sale of the house, when you only borrow so much but you have to pay back double or triple, again financially hurting the customer I would not recommend Hometap to anyone
Reply from Hometap2026-08-10
Hi there, we're sorry to hear you feel the fees and settlement amount are unfair. We ensure all homeowners understand the terms of an investment prior to making a commitment. Please reach out to the team with further questions.
My experience with Breanna from the start of my inquiry to application was clear & concise.
Breanna was not only thorough with explaining Hometap’s services she was an excellent advisor throughout my entire process making sure that all of my concerns & ideas were addressed, answered & executed in a highly professional manner leaving no room for doubts. I’ve tried other services to accomplish my goals. I was referred to Hometap by a friend & it was my best choice.
Thank you Breanna for your patience for following up & for clarity.
I truly appreciate your great service & will definitely refer you & your expertise @ Hometap.
Thank you.
Natalie Garraway.
Reply from Hometap2026-08-07
Thank you, Natalie! We appreciate your kind words about Hometap.
Shawn went above and beyond from our first
Contact through the final agreement. Was clear and up front about options and explaination in details or any questions that arise.
Reply from Hometap2026-08-07
Thank you, Angelo! We're happy to hear Shawn went above and beyond from start to finish.
Kale Meyer and his team professionalism kindness and generosity!!
Kale Meyer and his team helped us to use Hometap website vey simpler way explained terms and conditions with final figures which made our experience more likely using our own system, everything was done so professionally that we reached to the closing table very quickly and we’re so proud of his professionalism and kindness!!
Reply from Hometap2026-08-07
Thank you, Saima! We're happy to hear you found everything to be done professionally.
Very easy process, with acceptable request, my investment manager Dan, was very knowledgeable, informative and prompt to respond to all my questions and concerns. I would recommend Hometap to everyone.
Reply from Hometap2026-08-07
Thank you, George! We're happy to hear the team provided you with prompt and informative service.
I was thinking it gonna be a hard process but joe Kim helped me alot through out the process and explained it very well . He was upto the point where I needed some explanations. Overall it was easy and smoth process.
Reply from Hometap2026-08-07
Thank you, Mushtaq! It's great to hear you found the process to be easy and smooth.
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