Up to $600 Off
Hometap Promo Codes — Up to $600 Off
5 active offers · 0 with codes · updated Oct 22, 2026
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About Hometap
Hometap gives homeowners across the United States a straightforward way to access between $15,000 and $600,000 of their home equity — without taking on a loan or making monthly payments. You get cash, financial flexibility for up to 10 years, and the freedom to use the funds however you choose. With no employment or debt-to-income requirements and a minimum FICO score of just 585, it's built for real homeowners, not just those with perfect credit.
Hometap — frequently asked
Does Hometap require monthly payments?
No. Hometap requires no monthly payments for the entire life of the investment. You don't owe anything until you sell your home, buy out the investment with savings, or settle at any point during the 10-year effective period.
What is the minimum credit score needed to qualify for a Hometap investment?
The minimum FICO score required is 585. Hometap also has no employment, income, or debt-to-income requirements, making it accessible to homeowners who may not qualify for traditional bank financing.
How much equity can I access through Hometap?
You can access between $15,000 and $600,000, up to a maximum of 27% of your home's current value. The exact amount depends on your home's value, your equity percentage, and the state you're in. You must have at least 25% equity in your home to qualify.
How long does it take to receive funds from Hometap?
Funds are typically delivered via wire transfer within four to seven business days of signing the Investment Agreement. The full process, from application to funding, can take as little as 30 to 45 days.
What property types are eligible for a Hometap investment?
Hometap accepts a broad range of property types, where eligible:
- Single-family homes
- Condos
- Vacation and rental properties
- Multi-family homes (1–4 units)
- Manufactured homes (outside of flood zones)
Are there any out-of-pocket costs when signing with Hometap?
No upfront costs are required. All fees, including the processing fee, appraisal, closing fee, title insurance, and government recording charges, are deducted directly from your investment total at signing. Nothing comes out of your pocket before you receive your funds.
What states does Hometap operate in?
Hometap is currently available in 27 states, including California, Florida, New York, New Jersey, Pennsylvania, Virginia, and Texas, among others. Check the Hometap website to confirm availability in your specific state, as eligibility may vary.
What are my options for settling a Hometap investment?
You can settle your Hometap investment at any point during the 10-year effective period using one of three options:
- Buy out the investment using personal savings
- Take out a home equity loan or other financing
- Sell your home
Can I get a Hometap coupon code or discount on my investment?
Hometap doesn't offer traditional coupon codes, but there are real ways to reduce your effective costs:
- Settle within the first five years to benefit from a lower repayment multiplier (1.65x vs. 1.80x for years six through ten)
- Apply for a renovation adjustment on qualifying projects of $25,000 or more to help protect your settlement amount
- Access partner discounts through the free Home Equity Dashboard, available exclusively to Hometap homeowners
What is the Hometap Ambassador Program and how does it work?
The Ambassador Program lets homeowners who've received a Hometap investment earn cash rewards for sharing their experience. Participants sign a one-year contract and may be invited to up to six opportunities per year, each paying between $200 and $500 as a thank-you for their time. Engagements typically take between 30 minutes and half a day.