Blog

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Home Equity for the Win: Reach Your Long-Term Financial Goals

If you own a home, chances are you’ve been building equity for years. Possibly without even thinking about it! Each mortgage payment and uptick in property value quietly adds to your net worth.

person handing money to someone as a personal loan

Financial Health

What is a Personal Loan? Your Guide to Borrowing & Repayment

A personal loan lets you borrow money from a bank or lender and pay it back over time, with added interest. Unlike loans for specific things like houses or cars, personal loans can be used for many purposes.

Renovations & Remodeling

Easy Home Improvements That Add Value (Without Hiring a Pro)

Not every home improvement project requires a contractor or a hefty budget. There are plenty of projects you can tackle yourself. All you need is a little time, effort, and a trip to your local hardware store.

Financial Health

What Is a Second Mortgage — and Why Do People Get One?

Let’s clear up the confusion. Second mortgages sometimes get a bad rap. They’re often lumped in with risky debt or financial desperation.

Financial Health

Can You Have a Good DTI but Low Credit Score? Here’s What to Know

A low debt-to-income ratio doesn’t always mean a high credit score. Learn why that happens, how it affects loans, and what you can do to improve your financial profile.

Financial Health

What is LTV?

LTV, or Loan-to-Value ratio, is a key metric used by lenders when assessing the risk of a loan, particularly mortgages. It essentially compares the amount of the loan to the appraised value of the property being financed.

Home Equity

How Can I Fund a New Business Without a Monthly Payment?

Learn how one homeowner accessed $60,000 to start a business using an Equity Sharing Agreement without new monthly loan payments.

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Home Equity

How Can I Fund My Home Renovation Without a Monthly Payment?

See how one homeowner used an Equity Sharing Agreement to fund a $50,000 renovation without adding new monthly loan payments.

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Compare

Unison vs. Point

Point offers a Home Equity Investment (HEI), while Unison offers an Equity Sharing Agreement (ESA). At first glance, you might think they're the same — but there are important differences in how we value and share in your home's value.

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Home Equity

How Can I Consolidate My Debt Without a Monthly Payment?

See how one homeowner used an Equity Sharing Agreement to pay off $45,000 in credit card debt without adding new monthly interest or payments.

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Home Equity

How Can I Handle Medical Bills Without a Monthly Payment?

Read how one homeowner used an Equity Sharing Agreement to cover $40,000 in medical bills without the stress of monthly loan payments.

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Home Equity

How Can I Pay Tuition Without a Student Loan?

See how one homeowner accessed $55,000 for college tuition using an Equity Sharing Agreement with no monthly payments.