Review Time
Nothing went wrong; my assigned agent Shawn was friendly and patiently walked me through the process. Holding my hand every step of the way; and it is so nice to NOT be handed over to several people. The whole process is going well without incident or complaints…thus far. By the way; I’m telling all my friends about my experience.
My Investment Manager was incredibly patient, deserving of high praise. He explained everything clearly, making it easy to understand. I believe what the company is doing for homeowners is an excellent way to alleviate stress and worries, providing a viable solution. Thank you all!
I was interested in Hometap at first, but noticed there is no transparency and they appear to be using bait and switch tactics.After entering my info, a potential loan amount was provided along with potential payback terms for a loan percentage that does not correspond to the potential loan amount that was displayed. During a phone call I had with their rep, I asked what the general payback terms would be for a 20% equity loan (they only provide the general payback terms for the 10% equity loan), but I was told that giving out that kind of general information is against company policy without submitting to a hard credit pull. General information shouldn't require a hard credit pull. I came to Trustpilot to see if anyone had posted general payback terms in a review.Several of the reviews mention not being able to read loan docs until the very hour they need to be signed. This is unethical in my view.Many customers also complain about the appraisal process which cuts to the very heart of determining home equity. This lender appears to be very dangerous with disgusting practices that will likely take a very unfair cut of your home equity through legal maneuvering.Most of the Trustpilot reviews sound scripted, like the sales rep kept pestering them to leave a 5 star review that mentions their name. I wonder how many 5 star reviews were submitted before they were allowed to even get the money? It would also be pretty scary to leave a less than 5 star review for a shady company that now partially owns your house. The transaction is far from over for these folks so they feel like they have no choice.If Hometap seems like your only option, you are likely better off selling your house now and using your equity to rent a nice house for several years. A DSCR or other Non-QM loan might also work. Hometap is like a snowballing payday loan. Unless you have a goldmine investment ready for the money they loaned you, they will eventually force you to sell your house. When that happens, you will be in a much worse position since Hometap will take most of the home equity and you will be left with much less.I can't wait for Hometap to try to flag my review like they have done with all the other non 5 star reviewers. It's hard to believe that Trustpilot lets Hometap get away with reviewer harassment.
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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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