Top Home Equity Investment Companies in Arizona 2026: Features & Fees Compared
The Scout Executive Summary
- For the lowest fee and longest term: Point (3.9%, 30 years) is the starting point for most Arizona homeowners planning to stay beyond a decade.
- For flexibility during the term: Unlock (partial buyout) and Splitero (MaturityMatch™) offer distinctive structural advantages worth weighing.
- For the highest investment amount with cost protection: Hometap (up to $600,000) suits homeowners in high-appreciation Arizona ZIP codes who need a large lump sum.
Six HEI companies currently operate in Arizona. They all offer the same core product: cash today, no monthly payments, appreciation share at settlement. But the terms differ meaningfully, and in a high-appreciation market like the Phoenix Valley, those differences can translate to tens of thousands of dollars at settlement. Here is the complete Arizona-specific comparison.
In This Article:
- What Is a Home Equity Investment?
- Which HEI Companies Operate in Arizona in 2026?
- Arizona HEI Companies: Side-by-Side Comparison
- Top Home Equity Investment Companies in Arizona
- How Arizona’s Appreciation Rate Affects Which Company to Choose
- Real Cost Scenario: Phoenix Homeowner Example
- Which HEI Company Is Right for Your Arizona Situation?
- Home Equity Investment Alternatives
- Frequently Asked Questions
What Is a Home Equity Investment and Why Does the Company Matter?
An HEI gives you a lump sum of cash in exchange for a percentage share of your home’s future value at settlement. No monthly payments, no interest rate, no debt in the traditional sense. When you sell, refinance, or reach the end of the term, the company collects its agreed-upon share of your home’s value at that time.
But not all HEI providers offer the same terms. The company you choose affects your costs, your exit options, and how much of your home’s future value you give up. Splitero gives you a pre-qualified estimate in under two minutes, with only a soft credit check. See what you’d qualify for →
The company choice matters because every HEI provider structures the core terms differently: the appreciation share percentage, the term length, the origination fee, how the starting home value is calculated, and whether you can make partial buybacks or exit early without penalty.
For the full rate-protection strategy guide, see the Protect My Rate guide.
In Arizona’s high-appreciation markets (where Scottsdale’s 85255 ZIP code posted 8.2% year-over-year appreciation and 85258 posted 20.7% in Q1 2026 per ARMLS), these structural differences can translate to significant settlement cost variation on the same property and the same investment amount.
For a full explanation of how HEI appreciation share math works for Arizona homeowners, see the full home equity investment guide.
Which HEI Companies Operate in Arizona in 2026?
The primary HEI providers currently serving the Arizona market include:
- Point: Best for long horizons and low fees.
- Hometap: Best for max cash amounts and transparent cost-tracking.
- Splitero: Best for low credit and MaturityMatch™ term alignment with your existing mortgage.
- Nada: Best for borrowers with fair credit and fast prequalification.
- Unlock: Best for flexible exit strategies via partial buyouts.
- Unison: Best for well-qualified borrowers seeking a clean, 30-year term.
The fastest way to see which of these actually fits is to put your own numbers against one, and Splitero is a low-friction place to start — a pre-qualified estimate in about two minutes, with only a soft credit check, so you can anchor the whole comparison in real figures instead of generalities. Check your Splitero offer →
Arizona HEI Companies: Side-by-Side Comparison
| Feature | Point | Hometap | Splitero | Nada | Unlock | Unison |
|---|---|---|---|---|---|---|
| Max Investment | $600,000 | $600,000 | $500,000 | $500,000 | $500,000 | $500,000 |
| Term Length | Up to 30 Yrs | 10 Yrs | Up to 30 Yrs | Up to 10 Yrs | 10 Yrs | Up to 30 Yrs |
| Min Credit | 500 | 585–600 | 500 | 500 | 500 | 620 |
| Origination Fee | 3.9% | 4.5% | 4.99% | 4.9% + Costs | 4.9% + Costs | 3.9% |
| Best For | Long horizon | Large lump sum | Low credit | Fair-credit borrowers & fast prequalification | Partial buyout | Well-qualified |
All terms subject to change. Verify current terms directly with each provider before applying.
Top Home Equity Investment Companies in Arizona
Point: Best for Long-Term Arizona Homeowners
Point is the best overall home equity sharing company for Arizona homeowners who plan to stay in their property beyond a 10-year window.
| Max Amount & Term | Up to $600K. Up to 30 years (longest available in the HEI market). |
| Fee | Origination fee of 3.9%, among the lowest of any HEI provider. A $100,000 investment nets approximately $96,100 in cash after the fee. |
| Standout Feature | The Re-Point feature allows homeowners to take an additional investment during the 30-year term if more equity access is needed later. |
| Trade-off | No published annualized return cap, which makes total settlement cost less predictable in high-appreciation Arizona markets. |
| Availability | Select states, including Arizona. |
Hometap: Best for Large Investment Amounts
Hometap is a strong choice for Arizona homeowners who need the largest possible lump sum and want built-in settlement cost protection. If you’re weighing this against a lower-fee, lower-credit alternative, see the full Splitero vs. Hometap comparison.
| Max Amount & Term | Up to $600K (the highest maximum available in the HEI market). 10 year term. |
| Fee | 4.5% origination fee, capped at $20,000. A $100,000 investment nets approximately $95,500 after the fee. |
| Standout Feature | Hometap’s Home Equity Dashboard provides ongoing visibility into your current home value estimate, the current cost of Hometap share, and interactive forecasting tools. Most transparent real-time cost tracking of any HEI provider. |
| Trade-off | The 10-year term suits homeowners working toward a defined exit – a sale, refinance, or settlement within the decade. Those planning to stay significantly longer may prefer the breathing room of Point’s or Unison’s 30-year terms. |
| Availability | Select states, including Arizona. |
Splitero: The Flexible Arizona Newcomer
Splitero is a newer entrant in the Arizona HEI market built around MaturityMatch™, a term structure that aligns your investment with your existing mortgage timeline.
Like other HEIs, Splitero requires no monthly payments and no income or employment verification, qualifying you on your home equity rather than your paycheck, so you keep both your home and your existing low-rate mortgage. Eligibility starts at a 500 credit score with at least 30% equity. For a direct look at how Splitero compares with Point on fees and credit minimums, see the Point vs. Splitero comparison.
| Max Amount & Term | Up to $500K. Up to 30 year term. |
| Fee | 4.99% origination fee, plus appraisal, title, escrow, and other closing costs. |
| Standout Features | MaturityMatch™ aligns your term with your remaining senior mortgage, running from a 10-year minimum up to a 30-year maximum, rather than the fixed 10-year settlement deadline common at several competitors. You can repurchase your investment option any time within the term through a sale, refinance, or cash settlement, with no early-repurchase penalties. |
| Trade-off | Higher upfront fee structure than some of the other providers. |
| Availability | Select states, now including Arizona. |
Curious whether Splitero fits your situation? You can see if you pre-qualify in about two minutes. Check your eligibility with Splitero →
Nada: Best for Fair-Credit Borrowers and Fast Prequalification
Nada is a strong option for Arizona homeowners who may not qualify for traditional financing but still want to unlock home equity without monthly payments. Its combination of a 500 minimum credit score, no-credit-impact prequalification, and up to $500,000 in funding makes it one of the more accessible HEIs available in Arizona.
| Max Amount & Term | Up to $500K. Terms up to 10 years. |
| Fee | 4.9% origination fee plus closing costs. Actual closing costs vary by property and transaction. |
| Standout Feature | One of the most accessible underwriting programs in the HEI market, accepting credit scores as low as 500. Homeowners can pre-qualify in minutes without impacting their credit score, and eligible transactions can close in as little as three weeks. |
| Trade-off | While Nada’s underwriting is more flexible than many competitors, borrowers still must satisfy CLTV, property, and underwriting requirements. |
| Availability | Select states, including Arizona. |
Unlock: Best for Flexible Exit Options
Unlock is the right choice for Arizona homeowners who want the ability to gradually reduce their outstanding HEI balance rather than settling in one lump sum.
| Max Amount & Term | Up to $500K. 10 year term. |
| Fee | 4.9% origination fee plus closing costs. A $100,000 investment nets approximately $95,100 or less after fees. |
| Standout Feature | The only major HEI provider with a Partial Buyout feature. You can repay the agreement in portions during the 10-year term which is useful for homeowners who expect capital from a business sale, inheritance, retirement distribution, or other event. |
| Trade-off | On the higher end of the fee range, with closing costs on top. That premium buys the partial-buyout flexibility, a worthwhile trade for homeowners who specifically want the ability to pay down their balance over time. |
| Availability | Select states, including Arizona. |
Unison: Best for Long-Term Holders Who Want Broad Coverage
Unison pairs the long-term flexibility of a 30-year term with the broadest state availability of any HEI provider and a clean fee structure. If you’re deciding between Unison’s clean 30-year term and Hometap’s larger investment cap, see the Hometap vs. Unison comparison.
| Max Amount & Term | Up to $500K. Up to 30 year term. |
| Fee | 3.9% origination fee, matching Point’s low-cost structure. A $100,000 investment nets approximately $96,100. |
| Standout Feature | Down market protection included. If your Arizona home loses value, Unison shares in the depreciation and you owe less at settlement. |
| Trade-off | Unison’s 620 credit minimum is geared toward well-qualified borrowers. Homeowners with lower scores may find an easier fit with providers that accept 500, though Unison’s profile often comes with its clean, low-fee structure. |
| Availability | Select states, including Arizona. |
How Arizona’s Appreciation Rate Affects Which Company to Choose
Arizona’s high-appreciation markets make the annualized return cap and starting value methodology the two most important structural terms to evaluate, ahead of the investment amount or origination fee.
In a market appreciating at 8%–20% annually, an HEI without a cap on the investor’s return can generate a settlement cost that significantly exceeds what a HELOC would have cost over the same period.
Hometap’s 20% cap and Unlock’s 19.9% cap limit settlement costs in extreme appreciation scenarios. Point and Unison do not publish annualized return caps, which means their total cost in a high-appreciation Arizona market may be less predictable.
At the same time, Point and Unison’s 30-year terms mean more time for Arizona’s appreciation to potentially moderate before settlement is required. For homeowners 62 and older comparing an HEI to a reverse mortgage on total 10-year cost, the math may surprise you.
For current Arizona market data, see the Arizona Home Equity Rates page updated monthly.
Real Cost Scenario: Phoenix Homeowner Example
Scenario: $700,000 Phoenix Valley home, $400,000 existing mortgage at 3%, $80,000 HEI investment, 10-year horizon.
Leading HEI providers typically use an exchange rate structure where the investor receives approximately 2% of the home’s future value for every 1% of current home value accessed as cash. On this scenario, $80,000 on a $700,000 home (11.4% of current value), the investor’s share of the ending home value is approximately 22.8%.
| Investor Receives at Settlement | Annualized Cost | |
| 0% appreciation (flat market) | $159,600 | ~7.2% |
| 3% annually (national average) | $214,320 | ~10.4% |
| 5% annually | $259,920 | ~12.5% |
| 8% annually | $344,508 | ~15.7% |
| 15% annually | $645,696 | ~23.1% |
All figures are illustrative estimates based on a leading HEI provider’s typical exchange rate structure of approximately 2x the percentage of current home value accessed. Annualized cost calculated using the same methodology published in leading HEI provider product disclosures. Actual terms vary significantly by provider and borrower profile. Consult each provider for a personalized offer before comparing.
The table shows why Arizona’s appreciation rate is the most important variable in any HEI cost calculation. In a flat market the HEI’s annualized cost of approximately 7.2% is competitive with other equity products. At 8% annual appreciation, the annualized cost rises to approximately 15.7%. At 15% appreciation, the annualized cost exceeds 23%. For current Arizona market data, see the Arizona Home Equity Rates page.
Which HEI Company Is Right for Your Arizona Situation?
- For Long-Term Residency (10+ Years): Point and Unison offer 30-year terms to avoid forced settlement.
- For High-Appreciation ZIPs: Look for a provider that publishes an annualized return cap, which limits how much of your appreciation the investor can collect in a fast-rising market.
- For Home Renovations & Casitas: HEI funds can be used for any purpose, including renovations and casita builds. If you’ll draw funds in stages rather than need a single lump sum, compare against a HELOC first, since its draw-as-needed structure is often more cost-effective for phased projects.
- For Lower Credit (500+): Point, Unlock, and Splitero specialize in high-equity, flexible-credit approvals.
- For Maximum Equity Access: Hometap and Point lead the market with limits up to $600,000. See the full ranking of which providers offer the highest limits.
- For Flexible Repayment: Unlock allows for partial buyouts so you can pay down the balance over time.
See if an HEI is right for you and check your estimate today.
Scout’s honest assessment: An HEI and a HELOC solve different problems, and the right answer depends on your situation. If you qualify for a HELOC and can comfortably carry a second monthly payment, it’s often the lower total-cost way to access equity in a high-appreciation market, since you keep all of your home’s future appreciation. An HEI is the stronger fit when a monthly payment isn’t realistic (fixed or irregular income, or cash flow that’s already stretched) or when HELOC qualification is out of reach (credit below 620, income-documentation gaps, or DTI above 43%). For those homeowners, the no-payment structure is a real advantage, not a fallback.
For Arizona homeowners 62 and older specifically: a HECM reverse mortgage is typically the lower-cost no-payment option compared to an HEI in appreciating markets. At 8% annual appreciation, a leading HEI provider’s typical structure produces an annualized cost of approximately 15%, double the HECM’s 7.5% effective rate. See the full HEI vs reverse mortgage comparison.
See the full HEI vs HELOC comparison for Arizona homeowners.
Home Equity Investment Alternatives
If you prefer to maintain full ownership of your home’s future appreciation or have the monthly cash flow to support a loan, consider these three Arizona-specific alternatives:
Find out how much equity you can access with a pre-qualification.
Home Equity Line of Credit (HELOC)
A HELOC is a revolving line of credit secured by your home’s equity, with variable rate payments on drawn amounts.
- Best For: Borrowers with 680+ credit who need funds for ongoing projects.
- Key Advantage: You keep 100% of your home’s future growth, but you must make monthly variable-rate payments.
Home Equity Loan
A home equity loan is a one-time lump sum with a fixed interest rate and set repayment term.
- Best For: Those seeking payment stability to consolidate high-interest debt.
- Key Advantage: Your rate never changes, providing long-term predictability for your monthly budget.
Home Equity Conversion Mortgage (HECM)
A federally insured Reverse Mortgage is specifically for homeowners aged 62 or older.
- Best For: Seniors looking to eliminate mortgage payments, establish a growing line of credit, or access equity without monthly payments.
- Key Advantage: Like an HEI, there are no monthly payments but the HECM is federally insured, carries FHA non-recourse protection, and is typically the lower-cost no-payment option in Arizona’s high-appreciation markets. At 8% annual appreciation, a HECM’s effective rate of approximately 7.5% is meaningfully lower than a leading HEI provider’s annualized cost of approximately 15.7%. See the full Arizona Reverse Mortgage Guide and the HEI vs reverse mortgage comparison.
See how a HECM compares to a HELOC for Arizona retirees.
FAQ: Home Equity Investment Companies in Arizona
There is no single best choice for every situation. For homeowners who plan to stay more than 10 years, Point or Unison’s 30-year terms remove the pressure of forced settlement. For homeowners who need the largest possible lump sum, Hometap’s $600,000 maximum is the highest available. For homeowners in high-appreciation ZIP codes who want settlement cost protection, Hometap’s 20% cap and Unlock’s 19.9% cap are meaningful advantages. Get quotes from at least two providers before deciding.
Yes. Point, Hometap, Splitero, Nada, Unlock, and Unison all operate in Arizona as of July 2026. Confirm current availability with each company directly before applying, as state availability can change.
Point, Splitero, and Unlock all accept credit scores as low as 500. Hometap requires a minimum of 585–600. Unison requires a minimum of 620. None of the six have income or debt-to-income requirements in the traditional lending sense, which makes HEIs accessible to homeowners who cannot qualify for HELOCs.
Across Arizona HEI providers, origination fees generally run from about 3.9% to 5% of the investment amount, deducted from your proceeds before funds are wired, so on $100,000 you’d net roughly $95,000 to $96,100 in cash. Always ask for the net proceeds figure, since some providers also add closing costs like appraisal, title, and escrow on top of the headline percentage.
All six companies offer some form of down market protection. If your home loses value, the investor shares in that loss and you owe less at settlement than the original investment amount. This is one of the genuine structural advantages of an HEI over a HELOC or home equity loan in a declining market scenario.
Funding timelines vary widely by provider, ranging from a few days to roughly two months. Some companies can fund within days of closing, while others typically take several weeks to complete the process. The biggest variables are how quickly your appraisal is scheduled, how complete your property documentation is, and how fast you respond to the company’s requests along the way. Expect the faster end of the range if your paperwork is in order and the property is straightforward, and the longer end if there are title, trust, or valuation complications to resolve. For a side-by-side ranking across all six providers, see which HEI companies fund fastest.
Yes. HEI companies work with homeowners who have existing mortgages. The primary mortgage remains in place and the HEI company records a separate lien. Most providers require that after the HEI, your combined mortgage plus HEI does not exceed 70%–80% of your home’s current appraised value. Your existing mortgage rate is completely unaffected.
Neither is universally better; they fit different situations, and both leave your 3% first mortgage untouched. If you qualify for a HELOC and can carry a second monthly payment, it’s often the lower total-cost option in a high-appreciation market, since you keep all your future appreciation. An HEI is the stronger fit when a monthly payment isn’t realistic or you can’t meet HELOC requirements, where its no-payment structure becomes a real advantage rather than a fallback. See the full HEI vs HELOC comparison.
Re-Point is Point’s option to take out an additional investment during the 30-year term. If your home has appreciated and you need additional equity access, you can apply for a new, larger HEI without terminating the original agreement. This feature is specific to Point and is not available at Hometap, Splitero, Unlock, or Unison.
Yes, you can typically qualify for a Home Equity Investment (HEI) if your property is held in a trust, provided it is a Revocable Living Trust.
EquitySquirrel, operated by Scout Media, LLC, is an educational resource, not a lender or HEI provider. This content does not constitute financial, legal, or investment advice. EquitySquirrel does not endorse any specific HEI provider. HEI company terms, availability, and fees are subject to change. Consult a licensed financial professional and review all terms carefully before entering any HEI agreement. Company data sourced from FinanceBuzz, Money.com, LendEDU, and company disclosures (July 2026). ARMLS Q1 2026 used for Arizona market data. Aleksandra Kadzielawski, Lic #SA694336000.
