A dash means we found nothing HEI-specific for that state in our review of primary sources. That doesn't mean nothing exists: general state lending and consumer protection laws still apply, and you can check any company's license at NMLS Consumer Access. Federal items that apply everywhere are in the tracker.
| State | Providers that operate there | Laws, rules & reports | Enforcement & courts | Bills |
|---|---|---|---|---|
| Alabama | Hometap, Unlock | — | — | — |
| Alaska | None of the six | — | — | — |
| Arizona | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Arkansas | None of the six | — | — | — |
| California | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Colorado | Point | — | Colorado attorney general settlement with Unlock Settled | — |
| Connecticut | Point | Connecticut: shared appreciation agreements are residential mortgage loans In effect | — | — |
| Delaware | Hometap, Unison, CHEIFS | — | — | — |
| District of Columbia | Point, Unison, CHEIFS | — | — | — |
| Florida | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Georgia | Point, Hometap | — | — | — |
| Hawaii | Point, Unlock | — | — | — |
| Idaho | Hometap, Unlock, Splitero, CHEIFS | — | — | — |
| Illinois | Point | Illinois adopts rules for shared appreciation agreements In effect Illinois treats shared appreciation agreements as mortgage loans (Public Act 103-1015) In effect | — | — |
| Indiana | Point, Hometap, Unlock, Unison, CHEIFS | — | — | — |
| Iowa | Point | — | — | — |
| Kansas | Point, Unison | — | — | — |
| Kentucky | Point, Hometap, Unlock, Unison | — | — | — |
| Louisiana | None of the six | — | — | — |
| Maine | None of the six | Maine regulates shared appreciation agreements (LD 1901, Public Law 2025, chapter 653) In effect | — | — |
| Maryland | Point | Maryland regulations for shared appreciation agreements (COMAR 09.03.15) In effect Maryland brings shared appreciation agreements under its Mortgage Lender Law (HB 1150, Chapter 568 of 2023) In effect | — | — |
| Massachusetts | None of the six | — | Massachusetts attorney general sues Hometap Pending | — |
| Michigan | Point, Hometap, Unlock, Unison | — | — | — |
| Minnesota | Point, Unison | — | Minnesota attorney general settlement with Unlock Settled | — |
| Mississippi | Point | — | — | — |
| Missouri | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Montana | Hometap, Unlock, Splitero | — | — | — |
| Nebraska | Point, Hometap, Unison | — | — | — |
| Nevada | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| New Hampshire | Hometap, Unlock, CHEIFS | — | — | — |
| New Jersey | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| New Mexico | Hometap, Unlock, Unison, CHEIFS | — | — | — |
| New York | Point, Hometap, Unison | — | — | — |
| North Carolina | Point, Hometap, Unlock | — | — | North Carolina HB 1211, the Home Equity Investment Loan Act Pending |
| North Dakota | None of the six | — | — | — |
| Ohio | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Oklahoma | None of the six | — | — | — |
| Oregon | Point, Hometap, Unlock, Splitero, CHEIFS | — | — | — |
| Pennsylvania | Point, Hometap, Unlock, Splitero, CHEIFS | — | — | Pennsylvania HB 2120: licensing for shared equity providers Pending |
| Rhode Island | Unison | — | — | — |
| South Carolina | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| South Dakota | None of the six | — | — | — |
| Tennessee | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Texas | None of the six | — | — | — |
| Utah | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Vermont | Unlock, CHEIFS | — | — | — |
| Virginia | Point, Hometap, Unlock, Unison, Splitero, CHEIFS | — | — | — |
| Washington | Point, Splitero | Washington DFI inquiry into home equity sharing agreements Issued | Olson v. Unison Agreement Corp. (U.S. Court of Appeals for the Ninth Circuit) Vacated | Washington HB 1464 would have licensed home equity sharing agreement originators Did not advance |
| West Virginia | None of the six | — | — | — |
| Wisconsin | Point, Hometap, Unlock, Unison, CHEIFS | — | — | — |
| Wyoming | Unlock, Splitero, CHEIFS | — | — | — |
Where the provider lists come from
Each provider's own availability page, except where marked. Providers note availability can vary by county.
- Point32 (incl. DC where listed) · Point help center: In what states is Point available now?
- Hometap27 (incl. DC where listed) · Hometap FAQs
- Unlock26 (incl. DC where listed) · Unlock FAQs
- Unison23 (incl. DC where listed) · Unison: In which states are Equity Sharing Agreements available?
- Splitero17 (incl. DC where listed) · Splitero: eligibility
- CHEIFS22 (incl. DC where listed) · CHEIFS licensing disclosures