Home Equity Investments Investigation

CSKD is currently investigating potential class action claims involving companies that offer so‑called “Home Equity Investments,” “Home Equity Agreements,” or “Shared Appreciation Agreements.” Home equity investment products are marketed as an alternative to traditional home equity loans or HELOCs. Instead of monthly payments, homeowners receive a lump sum payment in exchange for a share of the future value of their home, typically due when the home is sold, refinanced, or after a fixed term. They are offered by companies such Unlock, Point, Hometap, Unison, and others.

These products are often promoted as:

•           “Not a loan”

•           “No interest”

•           “No monthly payments”

We are examining whether certain home equity investment providers may have:

• Failed to clearly disclose the true cost of the transaction
• Structured agreements that function like high‑cost loans, despite being labeled otherwise
• Imposed excessive repayment obligations when a home appreciates
• Restricted homeowners’ ability to refinance, remodel, or sell their homes
• Used complex or misleading valuation formulas
• Violated state or federal consumer protection laws, including lending and disclosure requirements.

If you entered into a home equity investment and later discovered unexpected costs, restrictions, or financial consequences, please fil out the form below.