Home equity investments in California

Providers operating in California

6 of the six major providers say they operate in California. Availability can vary by county.

• Pointup to 30-year term · cost cap 18% a year · about 14.3% a year in our standard example
• Hometap10-year term · cost cap 18.5% a year · about 14.1% a year in our standard example
• Unlock10-year term · cost cap 19.9% a year · about 15.9% a year in our standard example
• Unisonup to 30-year term · no published cost cap · about 14.7% a year in our standard example
• Spliteroup to 30-year term · cap level not published · share not published, so we can't estimate its cost
• CHEIFSterm not published · cost cap 12.99% or 14.99% a year · share not published; at most 13.7% to 15.7% a year under its cap

Provider lists come from each provider's own availability page, retrieved September 23, 2026 (Splitero's from a third-party review). All states.

Laws, rules, and reports

We found no HEI-specific law, regulation, or state report in California as of September 23, 2026. General state lending and consumer protection laws still apply.

Enforcement and court cases

We found no enforcement action or court case involving home equity investments in California as of September 23, 2026.

Bills

We found no pending HEI bill in California as of September 23, 2026.

Federal activity

2 federal items pending that would apply in every state: Home Equity Lending Integrity Act (S. 4803), Shared Home Appreciation for Residential Equity Act (H.R. 8116).

Before you sign in California

Reference information, not legal advice. Facts last checked September 23, 2026. Know of something we're missing in California? Tell us.