Splitero – Digital Experience for Home Equity Investments
Splitero provides home equity investments that let homeowners access up to 25% of their home’s value in cash (typically up to 500,000) in exchange for a share of future appreciation, with no new debt and no monthly payments. The engagement covered a complete digital experience: public‑facing marketing site and a secure customer portal that guides homeowners from pre‑qualification to funding.
Client overview
Splitero is a California‑based fintech and proptech company on a mission to give homeowners better options to unlock trapped home equity without the friction of loans or HELOCs.
Its home equity investment (HEI) product offers a lump‑sum payout with no income requirement, low minimum credit score, and flexible repayment at sale, refinance, or buyout, making it attractive for owners with strong equity but limited cash flow.
For most homeowners, home equity sharing is a new concept, and traditional financial UX patterns are optimized for loans, not investments tied to future appreciation. Splitero needed a digital journey that could explain a complex product in simple language while still meeting regulatory and documentation requirements. Internally, the team also needed a streamlined application portal that reduced back‑and‑forth with documents, minimized drop‑off, and gave both borrowers and Splitero’s operations team a clear view of application status.
Our mandate
The engagement covered two tightly connected deliverables:
- A marketing site that clearly explains what a home equity investment is, why it differs from loans and HELOCs, and why Splitero’s version (no monthly payments, long terms, flexible qualification) stands out.
- A secure, homeowner‑facing portal that turns a multi‑step financial process – pre‑qualification, full application, underwriting, documents, and funding – into a guided, friendly, and self‑service experience.
Marketing site: educating and converting homeowners
The marketing site is designed around three core jobs: educate, reassure, and convert.
- Clear explanation of HEI vs traditional products, highlighting that Splitero provides a lump sum today in exchange for a share of future value instead of interest‑bearing monthly payments.
- Eligibility and benefits content that spells out requirements such as minimum 30% equity, minimum 500 credit score, and state availability while emphasizing no income or employment requirement, no monthly payments, and up to 30‑year terms.
- A prominent “pre‑qualify in 2 minutes” funnel that asks for basic property and contact details, feeding directly into the customer portal for applicants who choose to continue.
Supporting pages (“How it works,” shared‑equity explainer, FAQs, contact) reinforce trust with transparent fee explanations, example scenarios, and links to licensing information and third‑party reviews.
Customer portal overview
The customer portal extends the brand promise of “access your equity, better your life” into a structured, step‑by‑step application environment.
- Homeowners log into a personalized dashboard listing all active homes and applications with status, investment amount, terms, and assigned loan analyst contact details, plus quick actions to continue or review an application.
- A multi‑step application wizard collects property, ownership, financial, and document data in manageable chunks, reducing cognitive load and encouraging completion.
A persistent right‑hand rail shows the estimated investment amount, property address, and direct access to schedule a call or email a homeowner advisor, balancing self‑service with easy access to human help.
Based on the designed portal, the application journey follows a logical five‑step flow that mirrors Splitero’s underwriting process.
Dashboard and application selection
Returning users arrive on a dashboard that summarizes all saved homes, each card showing address, investment amount, term, status, Splitero ID, and loan analyst details, with a “Continue Application” CTA for in‑progress files.
Property details
The “Your Property” step captures the property address and title‑holding structure, along with the primary use of the property (e.g., investment vs primary residence) and the current mortgage balance, including any deferred principal. Radio controls capture whether the homeowner has a primary mortgage or secondary liens like a HELOC, ensuring Splitero can accurately understand existing encumbrances.
Ownership details and co‑owners
The next step collects legal details for all owners on title – first, middle, and last names plus email – with the option to add multiple co‑owners dynamically as needed. This section keeps title data grouped in a single, visually distinct panel so homeowners always see who is currently listed and can easily add or remove co‑owners before proceeding.
Documentation upload
Once core data is captured, applicants are guided to an “Application Documents” section listing required and optional documents—such as government ID, bank statements, mortgage statements, and other lien statements—with clear “required / if applicable” labels and file size/type hints. The UI separates “Requested Documents” (what’s still outstanding) from “Uploaded Documents” with upload, view, and delete controls, so homeowners always know what has been received and what is pending.
Review and completion
After documents are uploaded, homeowners can mark the section “Done with Documents,” returning to the dashboard where status indicators (such as “Pending”) keep them informed while Splitero reviews the file.
Throughout, contextual help text and the advisor contact panel reassure users about what each document is for and how it will be used, reducing friction in a sensitive, high‑trust process.
UX and visual design
The portal borrows the friendly, approachable brand language from the marketing site – warm color palette, rounded cards, and illustrated advisor avatar – making a complex financial process feel less intimidating.
Consistent layout patterns (left navigation for sections, central content card, right‑hand support and estimate panel) mean users never lose their bearings as they move between dashboard, application steps, and documents.
Key UX decisions include:
- Multi‑step progress labels (“Step 2 of 5”, “Step 3 of 5”) so users understand how far along they are.
- “Save & Continue” and “Previous Step” controls on every screen to support both linear progress and quick corrections without fear of losing data.
- Microcopy explaining each field in plain language, matching Splitero’s broader positioning as a transparent, homeowner‑first alternative to traditional debt.
Impact and outcomes
- Together, the marketing site and portal give Splitero a full digital funnel: from a homeowner discovering HEIs for the first time, to pre‑qualification, through full application and documentation, all on a consistent, branded platform.
This reduces the reliance on manual email exchanges, shortens time‑to‑funding, and supports Splitero’s promise of an easier way to access home equity without traditional loan complexity.
Some of Our Happy Customers
