HEI Facts.com

State

Home equity investments in North Carolina

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

Providers operating in North Carolina

3 of the six major providers say they operate in North Carolina. 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

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 North Carolina. 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 North Carolina.

Bills

North CarolinaBillPendingFiled April 30, 2026

North Carolina HB 1211, the Home Equity Investment Loan Act

Would treat home equity investment loans as residential mortgages under state law, including licensing, usury, collection, and foreclosure rules.

  • Referred to the House Committee on Rules, Calendar, and Operations on May 5, 2026.

The description of what the bill would do comes from the UNC School of Government's legislative summary.


Sources: North Carolina General Assembly: H1211 · UNC School of Government bill summary secondary

HELOC denials in North Carolina

In 2025, lenders denied 34.2% of the 68,716 HELOC applications they decided in North Carolina (national: 32.9%). Most common first reason: debt-to-income ratio. See the full HELOC denial data.

HELOCs by metro area in North Carolina

Charlotte, NC-SC (34% denied) · Raleigh, NC (31% denied) · Winston, NC (33% denied) · Greensboro, NC (38% denied) · Wilmington, NC (32% denied) · Durham, NC (30% denied) · Asheville, NC (34% denied) · Hickory, NC (34% denied) · Fayetteville, NC (41% denied) · Burlington, NC (37% denied) · Greenville, NC (33% denied) · Jacksonville, NC (36% denied) · Pinehurst, NC (28% denied) · Rocky Mount, NC (44% denied) · Goldsboro, NC (37% denied)

See reasons and rates for each metro area.

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 North Carolina

  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 and compare it with a HELOC or home equity loan.

Reference information, not legal advice. Know of something we're missing in North Carolina? Tell us.