Paying off credit cards or loans can feel like a mountain that never ends. High interest rates often mean most of your money goes to the bank instead of lowering what you owe. An Equity Sharing Agreement might help you get the cash you need to reset your finances.
We partner with you by giving you cash today based on your home’s value. This is not a loan, so it does not have monthly payments. Many families use this to pay for a child’s college, start a small business, or fix up their home. It can help provide a fresh start for your family’s future.
Why Monthly Payments Matter
Standard loans like credit cards or home equity lines of credit (HELOCs) have interest rates that can change. This can make your monthly bills go up unexpectedly.
With an Equity Sharing Agreement:
- There are no interest rates to worry about.
- You do not have to make any monthly payments to us.
- You keep full ownership of your home.
A Tool for Your Future
Instead of paying a bank every month, we share in the future change of your home's value. If your home value goes up, we share in that gain. If it goes down after five years, we may share in that loss with you. This partnership helps you keep more of your cash each month to use for the things that matter most to your family.
We are here to help you unlock the potential already stored in your home. By choosing an Equity Sharing Agreement, you gain the flexibility to reach your financial goals on your own time.
Interactive Tool: Compare Your Costs
Managing high-interest debt can be expensive over time. Use the tool below to see how much interest you might pay on a standard loan compared to the $0 monthly interest of a Unison partnership.
Disclaimer: This sponsored content is for informational purposes only and is not financial, legal, or tax advice. Unison’s Equity Sharing Agreement (ESA), offered through Unison Agreement Corp., provides cash upfront with no monthly payments or interest charges. In exchange, you share a percentage of your home’s future appreciation (or a limited portion of any depreciation) when the agreement ends (upon sale, refinance, buyout after 5 years, 30-year term, or death/default). If your home depreciates, Unison typically shares in a portion of the loss, subject to program limits—you may still owe the full advance amount. A lien is placed on your property, which may limit future refinancing options. There may be tax implications (e.g., potential recognition of income on forgiveness of advance if the home depreciates). No guarantees are made regarding home value changes or outcomes. For complete terms, eligibility, and details, visit unison.com. For traditional lending products, see Unison Mortgage Corp., NMLS #2574289. Always consult your own financial, legal, and tax professionals before proceeding.