HEI Disguised-Loan Litigation
Home Equity Investment Disguised-Loan Litigation
28 predicted defendants identified in Rain Intelligence for this trend — companies that have not yet been sued, but are on plaintiffs’ firms’ radar.
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Rain Intelligence customers see the full list of companies under pre-filing investigation by plaintiffs’ firms — plus the AI-forecasted defendants most likely to be sued next, with case theories, evidence summaries, and plaintiff-firm activity. This public preview shows only what is already on the docket.
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Understanding the trend
What is this trend?
Home equity investment companies offer upfront cash in exchange for a future payoff tied to home value, often while advertising no debt, no interest, and no monthly payments.
What caused it
The litigation trend is moving from product-risk commentary into filed TILA/state-law complaints, state enforcement, and forecasts against HEI originators, securitizers, and adjacent mortgage-market actors after CFPB scrutiny, state enforcement, and Unison/Hometap class complaints supplied a concrete recharacterization roadmap.
Practices driving the lawsuits
- Marketing lien-backed HEIs as not loans, no debt, no interest, or no monthly payment products.
- Failing to give mortgage-credit disclosures, rescission rights, licensing compliance, or rate-cap treatment.
- Using payoff formulas that can create large balloon obligations tied to home appreciation or contract term.
- Recording liens that can impair refinancing or force sale/foreclosure when consumers cannot pay the settlement amount.
Filed cases
Public court records · filterable + sortable
| Filed▼ | Defendant | Court | Firm | Industry | Theory | Complaint |
|---|---|---|---|---|---|---|
| Jul 2, 2026 | Hometap Equity Partners, LLC; Hometap Investment Partners II, L.P.; Hometap Investment Partners III SPV, LLC Joshua Stevens et al. v. Hometap Equity Partners, LLC et al. | Hennepin County Minnesota | Hellmuth & Johnson, PLLC | Bryson Harris Suciu Demay, PLLC | Consumer finance / mortgage | Mortgage-credit recharacterization+1 | View |
| Jun 15, 2026 | Unison Agreement Corporation; Real Estate Equity Exchange, Inc.; Unison Investment Management, LLC; Unison Midgard Holdings LLC Santaniello et al. v. Unison Agreement Corporation et al. | District of New Jersey | Flitter Milz, P.C.; Langer, Grogan & Diver, P.C. | Consumer finance / mortgage | Mortgage-credit recharacterization+1 | View |
| May 11, 2026 | Hometap Equity Partners, LLC; Hometap Holdings II, LLC; Hometap Investment Partners II, L.P. Roberta Ruane and John Ruane v. Hometap Equity Partners, LLC, Hometap Holdings II, LLC, and Hometap Investment Partners II, L.P. | Western District of Pennsylvania | Robert Peirce & Associates, PC; Levin Sedran & Berman | Consumer finance / mortgage | Mortgage-credit recharacterization+1 | View |
| Apr 6, 2026 | Unison Agreement Corporation; Unison Investment Management, LLC; Real Estate Equity Exchange, Inc. Katharine Kane and Charles Kane v. Unison Agreement Corporation, Unison Investment Management, LLC, and Real Estate Equity Exchange, Inc. | Colorado District Court | Singleton Schreiber, LLP | Consumer finance / mortgage | Mortgage-credit recharacterization+2 | View |
| Feb 12, 2026 | Hometap Equity Partners, LLC; Hometap Investment Partners III SPV Keicha Greenidge and Ryan P. Billey v. Hometap Equity Partners, LLC and Hometap Investment Partners III SPV | New Jersey District Court | Francis Mailman Soumilas, P.C.; Robert P. Cocco, P.C. | Consumer finance / mortgage | Mortgage-credit recharacterization+1 | View |
| Nov 14, 2025 | Unison Agreement Corporation; Real Estate Equity Exchange Inc.; Unison Investment Management LLC Albert L. Scroggins Sr. v. Unison Agreement Corporation | San Bernardino superior court state of california | Blood Hurst & O'Reardon, LLP | Consumer finance / mortgage | Mortgage-credit recharacterization+2 | View |
| Sep 11, 2025 | Unison Agreement Corp.; Unison Investment Management, LLC; Real Estate Equity Exchange, Inc. Patricia Gout v. Unison Agreement Corp., Unison Investment Management, LLC, and Real Estate Equity Exchange, Inc. | San Francisco County California | Terrell Marshall Law Group PLLC | Gupta Wessler LLP | Law Office of Andrew J. Kubik | Elder Law & Advocacy | National Consumer Law Center | Consumer finance / mortgage | Mortgage-credit recharacterization+2 | View |
| Aug 8, 2023 | Unison Investment Management LLC Ahmed et al v. Unison Investment Management LLC | New York Eastern District Court | Milberg Coleman Bryson Phillips Grossman PLLC | Consumer finance / mortgage | Mortgage-credit recharacterization+1 | View |
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