HEI Facts.com

StateLast checked September 23, 2026

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, retrieved September 23, 2026. All states.

Laws, rules, and reports

We found no HEI-specific law, regulation, or state report in North Carolina 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 North Carolina as of September 23, 2026.

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

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 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 North Carolina? Tell us.

HEI Calculator

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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.