Resources
As the authority on shared equity products (SEPs), CHEP is committed to creating and sharing insights, tools and materials for the benefit of our stakeholders. Whether you’re a homeowner seeking innovative ways to access your equity, a member or industry professional looking for shared resources, or a policymaker working to balance consumer protection with solutions access, you’ll find credible resources designed to inform, clarify and help bring these vital home equity solutions into the financial mainstream.
FAQs
Get answers to frequently asked questions about SEPs. Learn how these innovative home equity solutions work, who qualifies, and how homeowners typically use the proceeds to improve financial flexibility and freedom.
Fictions and Facts
Clear up common misconceptions about SEPs with clear explanations of how these products differ from traditional loans, how they’re priced and how homeowners can use them to access equity without monthly payments.
Shared Equity Product (SEP) Regulatory Framework
Because SEPs are fundamentally incompatible with many existing mortgage loan regulations, CHEP developed its Model Act, a purpose-built robust regulatory framework, to provide guardrails for these products while elevating consumer protections.
Critical Insights into Shared Equity Products (SEPs)
In February 2026, the Urban Institute published independent research based on an analysis of 54,000 contracts originated from 2015 to 2025 by the industry’s three largest providers: Hometap, Point, and Unlock. Read a summary of the study’s findings.
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