Welcome to Unison Equity Sharing Home Loan

Pay half the monthly payments compared to other second mortgage loans2

Access up to $400,0003
Enter your property address to find out your loan amount
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    Currently operating only in Arizona, Colorado, Florida, Oregon, Utah
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    What is a Unison Equity Sharing Home Loan?

    The equity sharing home loan is a 10-year interest-only home loan with a shared appreciation component. You get to enjoy lower monthly payments thanks to both the loan’s partially deferred interest, as well as Unison’s share of the future appreciation of your home.

    Below market interest rates4

    Lower monthly payments5

    No prepayment penalties

    Share a portion of your home’s future appreciation6

    Return cap on shared appreciation component7

    Unison featured in Wall Street Journal
    Unison featured in Wall Street Journal

    Carlyle Targets Home-Equity Deals with Stake in Unison

    Isaac Taylor for Wall Street Journal

    Carlyle has agreed to purchase a minority stake in Unison, a firm that provides cash to homeowners in exchange for a share of their home's equity. The private-markets firm also agreed to buy $300 million of newly issued equity-sharing home loans from Unison [...] Unison has entered equity-sharing agreements with 17,000 homeowners.
    Unison featured in The Gazette
    Unison featured in The Gazette

    Unison featured in Arizona Daily Star
    Unison featured in Arizona Daily Star

    Unison featured in The Daily Sentinel
    Unison featured in The Daily Sentinel

    Unison featured in Arizona Daily Sun
    Unison featured in Arizona Daily Sun

    Unison featured in Wall Street Journal
    Unison featured in Wall Street Journal

    Carlyle Enters into Strategic Partnership with Unison to Purchase $300 Million of Equity Sharing Home Loans

    Kristen Ashton for Carlyle and Gary Bird for FortyThree, Inc.

    Global investment firm Carlyle (NASDAQ: CG) today announced that it has agreed to purchase up to $300 million of equity sharing home loans from Unison, the pioneer of equity sharing agreements. In addition, Carlyle made a strategic investment into Unison. This partnership will enable Unison to launch the Unison Equity Sharing Home Loan product and allow homeowners to access their growing pool of home equity as homes continue to appreciate.

    Here’s the process

    01

    Get a rate estimate

    Be sure to provide us with your contact and property information to see our best interest rate offer.

    02

    Submit your application

    Fill out an application to move forward or call 855-Unison4U (855-864-7664) for assistance.

    03

    Get approved

    We will assess your income and credit history to determine the loan structure that maximizes the benefit to you.

    04

    Get your home appraised

    We will work with you to set up a third party appraisal of your home to determine its value. Once complete, we will then conduct a full, final review of your application.

    05

    Receive your funds

    You can use the funds to consolidate debt, renovate your home, or add to your retirement savings.