HEI Facts.com

StateLast checked September 23, 2026

Home equity investments in Pennsylvania

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

Providers operating in Pennsylvania

5 of the six major providers say they operate in Pennsylvania. 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
  • 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 Pennsylvania 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 Pennsylvania as of September 23, 2026.

Bills

PennsylvaniaBillPendingPassed the House June 2, 2026

Pennsylvania HB 2120: licensing for shared equity providers

Would license and regulate shared equity providers and shared equity agreements under the Department of Banking and Securities.

  • Passed the House 190 to 11 on June 2, 2026.
  • Referred to the Senate Banking & Insurance Committee on June 5, 2026. It has not been signed into law.

Sources: Pennsylvania General Assembly: HB 2120

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 Pennsylvania

  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 Pennsylvania? 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.