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Equity Sharing vs. Home Equity Debt

HELOCs, Home Equity Loans, Cash-out Refinancing, Reverse Mortages, and now Equity Sharing Agreements. If you're a homeowner looking to access cash from your equity, you've probably noticed there are a LOT of options. They can all sound like the same thing. And most comparisons assume you already know the differences between all of them.

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Pile of money on a laptop for an article about whether you have to pay taxes on a side hustle.
Financial Health
Do You Have to Pay Taxes on your Side Hustle?

Short answer: Yes. But it doesn’t have to be complicated. Let’s walk through what counts as taxable income, how to report it, and when it’s worth getting professional help.

home equity comparison tool
Financial Health
Can I Use My Home to Pay Off High-Interest Debt?

Learn how an Equity Sharing Agreement may help you manage high-interest debt and improve your financial flexibility with no monthly payments.

person using their device to control their smart home
Renovations & Remodeling
Smart Home Upgrades: Are They Worth It?

Smart thermostats. Voice-controlled lighting. AI-powered appliances. These days, tech is making its way into just about every corner of the modern home. But when it comes time to renovate, homeowners are asking an important question: Is it worth integrating technology into my home improvement plans?

Person reviewing 9 Options for Consolidating Debt
Financial Health
9 Options for Consolidating Debt

Debt consolidation is a financial strategy in which one combines multiple high-interest debts into a single, more manageable loan or line of credit. Ultimately, the goal of debt consolidation is to simplify debt repayment; two bonuses are that it can also potentially reduce the overall interest rate, and make monthly payments more affordable.

Financial Health
Can I use a HELOC if I’m retired, self-employed, or on disability?

Discover how retirees, self-employed, and disabled individuals can qualify for a HELOC. Learn about income verification, alternative options, and tips for approval.

Renovations & Remodeling
Best Renovations to Boost Home Value: 6 Smart Upgrades That Pay Off

Discover the best renovations to boost home value – from kitchens and bathrooms, to outdoor living and energy-efficient upgrades. Smart ideas for real returns!

Home Equity
Why Tapping Your Home Equity Doesn’t Always Require a Loan

High rates and monthly bills making borrowing stressful? Learn how Unison’s equity sharing agreement lets you access equity without a loan.

Home Equity
Equity Sharing Agreements: A Clear, Honest Guide for Homeowners

If you own a home, there’s a good chance you’re sitting on a significant amount of equity. The challenge? Most of it is trapped in your property – which means it can’t help you cover pressing needs.

Home Equity
Living in California? Use Home Equity for Debt Relief, Without Another Monthly Payment

For many California homeowners, the pressure isn’t just the daily cost of living. It’s also the weight of high-interest debt, even if the home you own has appreciated in value over the years.

Homeownership
Equity Sharing in California: Guide for Bay Area Homeowners

A clear, honest guide to equity sharing in California. Learn how Bay Area homeowners use Unison’s equity sharing options to access equity without new monthly debt.

Home Equity
How Does a Home Equity Investment Work? Inside Our Equity Sharing Agreement.

Our Equity Sharing Agreement, is a specific type of HEI (Home Equity Investment), may offer a way to get this cash without taking on a new monthly loan payment.

Homeownership
Home Improvement Projects Worth Doing Before You List Your Home

Getting ready to sell your home? The right improvements can boost your sale price, attract more buyers, and make for a smoother closing – but not all upgrades are worth the investment. Whether you’re looking to maximize curb appeal or reduce negotiation headaches, a few small changes can go a long way.