# Hometap

**Canonical:** https://apis.io/providers/hometap/  
**Website:** https://www.hometap.com/  
**APIs profiled:** 0

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.

## Kin Score — 13.0 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 13.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Hometap Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Home Equity, Real-Estate, Lending, Mortgage, Consumer Finance, PropTech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/hometap/). Scores are computed from the provider's own public artifacts under a published rubric.