Aven is a consumer fintech that issues a home-equity-backed Visa credit card, letting homeowners tap their home equity (a HELOC) through a card with credit-card convenience at lower, home-equity-secured rates.

Lower is a U.S. direct-to-consumer mortgage lender and servicer (Lower, LLC, NMLS #1124061) offering home purchase loans, refinancing, and home equity products including conventional, FHA, VA, jumbo, and adjustable-rate mortgages, HELOCs, and cash-out options.

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…

Better (Better Home & Finance Company, NASDAQ: BETR) is a New York-based digital homeownership company founded in 2014 by Vishal Garg. Its Tinman-powered platform delivers an end-to-end online mortgage experience - purchase loans, refinancing, cash-out refinancing, HELOCs, VA loans, and crypto-backed mortgages - alongside real estate agent…

Noah (originally founded as Patch Homes in 2016 and rebranded to Noah in 2020) was a US-based home-equity investment fintech backed by Union Square Ventures. It offered homeowners up-front financing in exchange for a share of their home's future appreciation, as an interest-free, no-monthly-payment alternative to a HELOC or cash-out refinance.

RenoFi is a home-renovation financing platform that partners with credit unions and lenders to offer renovation-specific loans underwritten against a home's projected after-renovation value (ARV) rather than its current equity, letting homeowners borrow significantly more without refinancing their first mortgage.

Point (Point Digital Finance, Inc.) is a San Francisco fintech founded in 2015 by Eddie Lim, Eoin Matthews, and Alex Rampell that gives homeowners access to their home equity without monthly payments or income requirements.

Figure is a fintech lender and blockchain-native capital marketplace, backed by Ribbit Capital, and one of the largest non-bank HELOC (home equity line of credit) originators in the United States.

Figure Technology Solutions is a Reno, Nevada financial-technology company (founded 2018) that builds and operates blockchain-based platforms for lending, capital markets, and asset management.

Valyra — tokenized Dutch home-equity sharing (HESA) MVP: homeowners unlock cash from their home's future appreciation (no debt, no interest); retail investors buy fractional tokens from €100. Next.js 14 + TypeScript; chain & AVM simulated.

Trovy (Trovy Technologies, Inc.) is a Kleiner Perkins-backed fintech building "the homeowner platform" -- consumer credit products that turn home equity into a flexible financial tool.