Hometap

Hometap is a Boston-based fintech founded in 2017 that offers homeowners a home equity investment (HEI) — an alternative to home equity loans and HELOCs. In exchange for a share of a home's future value, homeowners receive cash up front with no monthly payments, no interest, and no income or debt-to-income requirements, settling any time within a 10-year term via sale, refinance, or buyout. Homeowners manage their investment and track equity through the free Hometap Home Equity Dashboard. The company has helped more than 26,000 homeowners and completed over $1 billion in investments, and is backed by investors including General Catalyst. Hometap does not publish a public developer API or developer portal; this profile captures its public web properties and identity for the API Evangelist network.

Hometap is profiled on the APIs.io network. Tagged areas include Company, Fintech, Home Equity, Real Estate, and Lending.

Hometap’s developer surface includes getting-started guide, support, engineering blog, signup flow, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

13.9/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

0 APIs

Company Fintech Home Equity Real Estate Lending Mortgage Consumer Finance PropTech

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 13.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 1.2 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/hometap/"><img src="https://apis.io/badge/hometap/card.svg" alt="Hometap on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Developer Ergonomics scores 19.0 — up to +16.2 composite points Ask about this →
Access Clarity scores 31.9 — up to +13.6 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/hometap/apis.yml: open an issue on github.com/api-evangelist/hometap to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	standard	17.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Hometap

9 quoted statements, read from Hometap's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Hometap

17 quoted statements, read from Hometap's own page on 2026-11-09.

PRIVACY

Eligibility 1

Who may sign up and where, quoted from its own terms.

Hometap

5 quoted statements, read from Hometap's own page on 2026-11-09.

ELIGIBILITY

AI Preferences 1

Its stance on AI training, inference and agents, quoted from its own pages.

Hometap

1 quoted statement, read from Hometap's own page on 2026-11-09.

AI PREFS

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Hometap

1 quoted statement, read from Hometap's own page on 2026-11-09.

LICENSE

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Hometap Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

SignUp

SignUp

Login

Documentation 1

Reference material describing how the API behaves

AIPreferences

AIPreferences

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

PrivacyPolicy

TermsOfService

UsageTerms

DataLicense

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

DataProcessing

DataProcessing

Eligibility

Eligibility

Source (apis.yml)

aid: hometap
name: Hometap
description: Hometap is a Boston-based fintech founded in 2017 that offers homeowners a home equity investment (HEI) — an
  alternative to home equity loans and HELOCs. In exchange for a share of a home's future value, homeowners receive cash up
  front with no monthly payments, no interest, and no income or debt-to-income requirements, settling any time within a 10-year
  term via sale, refinance, or buyout. Homeowners manage their investment and track equity through the free Hometap Home Equity
  Dashboard. The company has helped more than 26,000 homeowners and completed over $1 billion in investments, and is backed
  by investors including General Catalyst. Hometap does not publish a public developer API or developer portal; this profile
  captures its public web properties and identity for the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/hometap/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-13'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://www.hometap.com/favicon/apple-icon-180x180.png
tags:
- Company
- Fintech
- Home Equity
- Real Estate
- Lending
- Mortgage
- Consumer Finance
- PropTech
tags_raw:
- Company
- Fintech
- Home Equity
- Real Estate
- Lending
- Mortgage
- Consumer Finance
- PropTech
- Real-Estate
apis: []
common:
- type: DomainSecurity
  url: security/hometap-domain-security.yml
- type: Website
  url: https://www.hometap.com/
- type: GettingStarted
  url: https://www.hometap.com/how-it-works
- type: Support
  url: https://www.hometap.com/faqs
- type: Blog
  url: https://www.hometap.com/homeowner-resources
- type: SignUp
  url: https://go.hometap.com/dashboard/
- type: Login
  url: https://go.hometap.com/dashboard/
- type: PrivacyPolicy
  url: https://www.hometap.com/privacy/
- type: TermsOfService
  url: https://www.hometap.com/legal?section=terms-of-use
- type: UsageTerms
  url: terms/hometap-terms-of-service.yml
- type: DataProcessing
  url: privacy/hometap-privacy-policy.yml
- type: Eligibility
  url: eligibility/hometap-eligibility.yml
- type: AIPreferences
  url: ai-preferences/hometap-ai-preferences.yml
- type: DataLicense
  url: data-license/hometap-data-license.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/hometap"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/hometap/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/hometap/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.