Skip to content
SuperMoney logo
SuperMoney logo
Home Equity Investment Companies
Advertiser Disclosure

Last Updated: 02/03/2026

Splitero HEI

in Home Equity Investment Companies from Splitero Funding, Inc.

Last Updated: 02/03/2026

Splitero Funding, Inc. logo
Visit Site
Mostly recommended17 total votes
11 users recommend
1 users are unsure
5 users don't recommend
Cast Your Vote icon

Cast Your Vote

Compare All Home Equity Investment Companies

Filter & compare all your options in one place.

Filter & compare all your options in one place.

View All Products
Highlights icon

Highlights

Community Rating

Mostly recommended

Credit Score Range

Starting at 500
Disclaimer popup with additional information

Funding Range $

$50,000 - $500,000

Funding Range %

Up to 25%

Contract Term

Up to 30
Disclaimer popup with additional information

Number of Reviews

17
Speech bubbles icon

Splitero HEI Review

Splitero HEI is offered by Splitero Funding, Inc. (NMLS #2327455), a nonbank financial services provider founded in 2021 and based in San Diego, CA. Splitero are available in 14 states.

Key Takeaways

  • Poor credit accepted. Homeowners with a credit score as low as 500 can qualify with Splitero HEI.
  • Property value range. Splitero considers properties with values ranging from $200,000 to $5,000,000.
  • Maximum investment of $500,000. Your actual offer will depend on your home's value and how much equity you have in the property.
  • Long contract terms. Splitero offers a contract term of up to 30 years. The term runs as long as your senior mortgage or at least 10 years, with a maximum of up to 30 years.
  • Home improvement credit. Splitero Funding, Inc. recognizes money you invest in eligible home improvements and adjusts the ending value so it doesn’t take a share of the value you added.
  • Cash-out only. Existing homeowners can access up to 25% of their property's value.
  • Only available in select states. Splitero HEI is currently available in a limited number of states.

Splitero HEI Pros & Cons

Splitero HEI FAQ

How does the Splitero HEI product work?

A shared equity agreement (also called a shared appreciation agreement or home equity contract) is a way to sell a portion of the equity in your home to an investment company.
As a home equity loan alternative, the Splitero HEI product allows you to tap into your home equity without the monthly payments associated with traditional loans or HELOCs.
The transaction is secured by a lien on your property, but instead of paying interest or monthly payments, the investor receives a share of your home’s value when the agreement ends.

How much will Splitero Funding, Inc. invest?

Splitero Funding, Inc. offers equity investments of up to 25% of a property's value. The maximum investment in a single home is $500,000.
While Splitero HEI is not a loan, the maximum lien-to-value ratio is 65%. This means the total of the investment return plus any existing mortgage balance cannot exceed that percentage of the property’s value.

What are the costs associated with Splitero HEI?

Shared equity investments do not charge interest or require monthly payments.Instead, the investor earns a return based on the future value of your home. However, most investors will charge and appraisal fee and other third-party closing costs.

How long does it take to close?

Funding typically occurs within 14 days.

What types of property are eligible?

Intended Use
  • Primary home
  • Secondary home
  • Investment property
Property Type
  • Single-family home
  • Multi-family home
  • Condominium
  • Townhome

Is Splitero a legit company?

Splitero was founded in 2021. It is an established company that has been in business for 5 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

Splitero HEI Disclosure: Splitero Funding, Inc. NMLS #2327455. CA: Licensed by the Department of Real Estate, License #02185149, David Zvaifler, Responsible Broker, NMLS #2297318, License #01901432, pursuant to the CA Code of Regulations and Business and Professions Code. CO: Regulated by the Division of Real Estate. OR: Exempt Registration, License #2327455.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Splitero Funding, Inc. logo

Message from Splitero

Splitero provides Home Equity Investments that allow homeowners to receive a lump sum of cash in exchange for a share of their home’s future value with no additional monthly payments and no new debt.

A few important distinctions, these are not loans, and we are not a bank! Our Home Equity Investment does not require income verification to qualify. Homeowners working with Splitero can keep their low-interest mortgages and their homes.

Contact

Headquarters

4365 Executive Drive
Suite 925
San Diego, CA 92121
(888) 365-3372
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed

Other Services by Splitero Funding, Inc.