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Hometap Reviews

Rated 4.3 based on 318 Reviews

75 Arlington St #500, Boston, MA 02116, United States

Investment & Wealth Boston

Published on
July 10, 2025
Last updated
July 10, 2025

Reviews Summary

The overall sentiment toward Hometap's home equity investment service is mixed, with reviewers expressing both significant satisfaction and frustration. Many customers highlight positive experiences with specific staff members, clear communication, and a straightforward process. However, a few reviewers share strong dissatisfaction, raising ethical concerns about the contract terms, large financial settlements required upon payoff, and long delays, as well as suspicion around the authenticity of some positive reviews.

Commonly, customers praise the professionalism and helpfulness of individual representatives, frequently naming staff like Danielle, Grant Phillips, Olivia, Eric, and Lorenzo for their attentive and efficient support. Timely communication and guidance through the home equity access process are recurring strengths. On the other hand, some mention surprise or disappointment regarding final amounts or confusion over contract terms, and others feel the process was too slow or disorganized, especially in complex cases.

Based on this feedback, Hometap is seen as a viable, alternative means for accessing home equity, particularly for customers unable to secure bank loans. Their reputation in the U.S. home equity investment market is defined by strong personal service but is tempered by concerns over costs, transparency, and efficiency in certain scenarios.
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What Customers Are Saying About Hometap?

upfront and truthful

communication was great, often and timely

Danielle was wonderful and very communicative

Our experience with HomeTap is outstanding

treated me with kindness and respect

She made the process easy

Eric was fantastic

very happy with their service and their service rep.

I highly recommend Hometap and Olivia

truly go above and beyond

Trustguide extracts key phrases from reviews about Hometap and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 60% of Hometap's customers had a positive experience.

Positive
60%
Neutral
0%
Negative
40%

Hometap Ratings

4

As of Based on 318 revies as of Jul 10, 2025

Hometap Score

60%

As of Based on 318 revies as of Jul 10, 2025

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Customer Reviews

As of Jul 10, 2025, 318 customers have reviewed this business and rated it 4.3 Star out of 5. Trustguide conducted an in-depth analysis of Hometap's publicly available reviews View source

Jasjit Hothi rated Hometap 1 stars
2 weeks ago
Don't get an "investment" from this company. All the great reviews you read are because these people were desperate for money and Hometap gave it easily and quickly. Hometap is going to receive hundreds of % more from them. I got "$85,431", only received $81,230, after they took the money for upfront costs. 5 years later they want me to pay them back $218,000 to settle the account, that's 250% interest charge! Or else they own 50% equity of my home. Get this not only that, if I were to sell it, they get half + the original $85,431. According to their contract, they're technically correct but ethically it's wrong. They take advantage of people who are in need of money. You're better off getting a loan anywhere than getting money from them. They're getting sued by the AG of Massachusetts, look it up. You have been warned.
Santa Terry rated Hometap 5 stars
5 months ago
Hometap has been upfront and truthful with me from the beginning. I "interviewed" 4 other companies. One said they could do it, but then denied me because I had 2 horses. Another said yes, but my credit score was too low. Another would do "anything" for our business including going into our Homeowners company policy and putting themselves in as the Primary Lender without my permission. After all was repaired, Hometap had promises made, promises kept. They kept me informed at every step of the way and their contract was superior to the others. My wife and I are very happy with their service and their service rep.
Ephraim Teo rated Hometap 4 stars
5 months ago
It was a slow start. We had Justin to start, and he was good but was always difficult connecting with him on a timely manner. The second guy "J" was great. The communication was great, often and timely on the status of my borrow status. Note: The offer letter they push to you isn't the amount you qualify for until after they completed the appraisal. I ended up signing for about $20K less than expected which is a big deal because it impacted the business purchasing plan. The closing was timely; we liked the Title Escrow person who gave us what type of people were taking out HEAs and it was good to know of the business owner types who were doing this kind of thing on the regular. Overall, our experience was really good! I would do this again pending the "settling up" experience. Based on what we experienced so far, I would do it again.

Frequently Asked Questions About Hometap

What should I expect regarding communication and support from Hometap staff?

Several reviews mention that assigned representatives at Hometap are responsive, communicative, and provide guidance through each step of the process, answering questions and helping with paperwork from initial inquiry to closing.

Are there upfront costs or financial surprises when working with Hometap?

Some reviewers report receiving less than the initial offer after costs are deducted and cite confusion about settlement amounts required later. It is important to review contract terms closely and clarify all fees before proceeding.

How long does the Hometap process usually take?

Experiences vary, with some clients saying the process was smooth and fast, while others experienced delays and lengthy timelines—sometimes several months—due to documentation, appraisal, or complexity of the case.

About Hometap

Investment & Wealth
Hometap provides home equity investment services. Homeowners can receive a lump sum payment in exchange for sharing a percentage of their home’s future value, offering an alternative to traditional loans or refinancing. The company operates primarily in the United States and focuses on real estate and personal finance solutions.

Hometap operates by assessing each applicant’s home and financial situation, providing customized offers following appraisals. The process involves documented contracts, guidance from dedicated account managers, and collaboration with third-party title and escrow companies to manage transactions. Customer support is delivered through assigned representatives who guide clients from inquiry through closing.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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