A common question we hear is a simple one: “If I improve my home, does Unison share in the value I created?”
With Unison, you keep 100% of the value added by qualifying remodeling projects.*
How the Remodeling Adjustment Works
This is handled through what’s called a Remodeling Adjustment.
If your home sells for $100,000 more than the Original Agreed Value, and an independent appraiser determines that $50,000 of that increase came from your renovation project(s), Unison does not take a share of that $50,000. We share only in the remaining “market-driven” increase.
Requirements
To qualify:
- Work must be completed by licensed contractors with required permits.
- You must document the home’s condition with photos before the project begins.
- The Remodeling Adjustment becomes available after the third anniversary of your agreement.
The adjustment is based on value added — not cost. If you spend $40,000 but the market value increase is $30,000, the adjustment is $30,000. Routine maintenance does not qualify.
The goal is simple: if you create the value, you keep the value.
*See program documentation for full eligibility details.
Disclaimer
This content is sponsored by Unison Agreement Corp. and is provided for informational and educational purposes only. It does not constitute financial, legal, tax, investment, or lending advice, nor is it a solicitation or offer.
The Unison Equity Sharing Agreement is not a traditional loan. It involves no monthly payments to Unison and no interest charges. In return, Unison shares in a portion of any future change (up or down) in your home’s value when the agreement ends (upon sale, refinance, buyout, or maturity). A Memorandum of Agreement and lien interest is recorded against your property, which may affect future refinancing or transactions. An origination fee and standard third-party closing costs apply.
Availability is limited to participating states only and is subject to eligibility requirements, credit review, income verification, and underwriting approval. Terms, fees, and conditions are subject to change. Home values can rise or fall, and there is no guarantee of any specific financial outcome. Tax consequences may apply.
Unison Agreement Corp. does not provide financial, tax, or legal advice. You should carefully review the full Equity Sharing Agreement documents and consult with your own qualified financial advisor, attorney, and tax professional to determine whether this product is appropriate for your individual situation.
For complete terms, current state availability, fees, risks, and eligibility, please visit https://www.unison.com or contact a Unison representative directly.