Providers operating in District of Columbia
3 of the six major providers say they operate in District of Columbia. Availability can vary by county.
- Pointup to 30-year term · cost cap 18% a year · about 14.3% a year in our standard example
- Unisonup to 30-year term · no published cost cap · about 14.7% a year in our standard example
- CHEIFSterm not published · cost cap 12.99% or 14.99% a year · about 13.7% a year in our standard example
Provider lists come from each provider's own availability page. All states.
See how these providers' costs change with home prices in the 2026 study.
Laws, rules, and reports
We found no HEI-specific law, regulation, or state report in District of Columbia. 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 District of Columbia.
Bills
We found no pending HEI bill in District of Columbia.
HELOC denials in District of Columbia
In 2025, lenders denied 43.0% of the 2,115 HELOC applications they decided in District of Columbia (national: 32.9%). Most common first reason: debt-to-income ratio. See the full HELOC denial data.
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 District of Columbia
- Check the company's license at NMLS Consumer Access.
- Ask for the settlement amount at 0%, 4%, and 8% yearly appreciation, and for when you might settle.
- Convert each offer to an effective yearly cost and compare it with a HELOC or home equity loan.
Reference information, not legal advice. Know of something we're missing in District of Columbia? Tell us.