HEI Facts.com

StateLast checked September 23, 2026

Home equity investments in Colorado

2 of the six major home equity investment providers operate in Colorado. Colorado has no HEI-specific law in effect yet, but we've confirmed related state activity below.

Providers operating in Colorado

2 of the six major providers say they operate in Colorado. Availability can vary by county.

  • Pointup to 30-year term · cost cap 18% a year · about 14.3% 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

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 Colorado as of September 23, 2026. General state lending and consumer protection laws still apply.

Enforcement and court cases

ColoradoEnforcementSettledAnnounced June 24, 2026

Colorado attorney general settlement with Unlock

The attorney general determined that Unlock's home equity agreements are consumer credit transactions under Colorado law.

  • Unlock must comply with Colorado's Uniform Consumer Credit Code, including the Consumer Equity Protection Act, its rate limits, and its required disclosures.
  • Unlock must obtain all required Colorado licenses before resuming operations there.
  • As of the announcement, Unlock had identified $283,375 in restitution owed to 125 Colorado consumers, a figure the office expected to grow as more agreements close.

Sources: Colorado Attorney General press release · Assurance of discontinuance (PDF)

Bills

We found no pending HEI bill in Colorado 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 Colorado

  1. Check the company's license at NMLS Consumer Access.
  2. Ask for the settlement amount at 0%, 4%, and 8% yearly appreciation, and for when you might settle.
  3. Convert each offer to an effective yearly cost on HEI Calculator and compare it with a HELOC or home equity loan (HEI vs HELOC).

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

HEI Calculator

Run your own home and assumptions through every provider and get one comparable effective annual cost.

HEI Compare

Point, Hometap, Unlock, Unison, Splitero and CHEIFS side by side, with reviews and head-to-heads.

HEI Facts, HEI Calculator, and HEI Compare are sister sites run by the same independent team.