Cost compared with CHEIFS
Effective annual cost for $100,000 against a $750,000 home with a $300,000 mortgage. Highlighted: cheaper than CHEIFS in that scenario.
| Provider | Typical: 4% growth, 7 years | Flat prices: 0%, 7 years | Fast growth: 8%, 7 years | Early sale: 4%, 3 years |
|---|---|---|---|---|
| CHEIFS | 13.7% | 13.0% | 13.7% | 14.7% |
| Hometap | 14.1% | 9.7% | 18.5% | 22.7% |
| Point | 14.3% | 8.3% | 18.9% | 20.2% |
| Unison | 14.7% | 3.5% | 23.1% | 21.6% |
| Unlock | 15.9% | 11.5% | 20.4% | 22.6% |
| Splitero | 15.9% | 11.5% | 20.4% | 22.3% |
Computed from each provider's published terms with the HEI Calculator engine; terms verified September 23, 2026. Try your own numbers in the CHEIFS calculator.
When to pick an alternative instead
- Hometap: costs less if prices stay flat (9.7% vs 13.0% a year); publishes a lower credit minimum (585 vs 680); allows more leverage (75% vs 65%); serves more states (27 vs 22). CHEIFS vs Hometap
- Point: costs less if prices stay flat (8.3% vs 13.0% a year); publishes a lower credit minimum (500 vs 680); allows more leverage (an assumed 80% vs 65%); serves more states (32 vs 22). CHEIFS vs Point
- Unison: costs less if prices stay flat (3.5% vs 13.0% a year); allows more leverage (an assumed 80% vs 65%); serves more states (23 vs 22). CHEIFS vs Unison
- Unlock: costs less if prices stay flat (11.5% vs 13.0% a year); publishes a lower credit minimum (500 vs 680); allows more leverage (70% vs 65%); serves more states (26 vs 22). CHEIFS vs Unlock
- Splitero: costs less if prices stay flat (11.5% vs 13.0% a year); publishes a lower credit minimum (500 vs 680); allows more leverage (an assumed 80% vs 65%). CHEIFS vs Splitero
Not sure you qualify for CHEIFS?
Check CHEIFS's requirements against your own home, state, and credit, or see every provider that fits you on HEI Offers.
Questions
What is the best alternative to CHEIFS?
It depends on your plans. In our typical example ($100,000 against a $750,000 home with a $300,000 mortgage, 4% growth, 7 years), the lowest-cost alternative is Hometap at 14.1% a year, versus 13.7% for CHEIFS. If your home grows fast or you sell early, the ranking can change; see the table above.
Who are CHEIFS's competitors?
The other main home equity investment providers are Hometap, Point, Unison, Unlock, and Splitero. All six are modeled with the same cost engine on HEI Compare.
Is there an alternative to CHEIFS that isn't an HEI?
Yes. A HELOC, home equity loan, cash-out refinance, or reverse mortgage can cost less if you qualify. See every option compared.
Comparing CHEIFS with others?
See which providers fit your home, state, and credit, or send us an offer you already have for a free second opinion. Prefer to model it yourself? Run the HEI Calculator.
See which providers fit youGet a free offer reviewHEI Compare, HEI Calculator, HEI Facts, and HEI Offers are sister sites run by the same independent team, using the same provider terms and the same cost model. About us.