.avif)
Home equity cash.
No monthly payments.
No interest. No kidding.
The Unison Equity Sharing Agreement is a loan-alternative with no interest and no monthly payments. Receive up to $500k by simply sharing a portion of your home's future change in value.
How it works
Convert up to 15% of your home’s value into cash so you can live the life you really want, with no added debt, no interest and no monthly payment. In return, we share in a portion of your home’s future change in value—up or down—whenever you decide to sell.
Access your equity
Trade a portion of your home equity for cash today to use how you like, from paying down debt to funding retirement.
Live your life
Create years of memories in your home, without monthly payments. Unison is your partner, here when you need us.
Share the appreciation
From the sale proceeds, return the original investment plus or minus a portion of your home’s change in value.
Over 17,000 people have unlocked their home equity with Unison
Here's what you need to know
Money now. No monthly payment. Sound nice?
If you have equity in your home, see if the unique Unison Equity Sharing Agreement is right for you.
What's the pricing model and how is repayment calculated?
Unison gives homeowners cash today in exchange for a percentage of the home’s future change in value. At the end of the 30 year term, or sooner if you decide, you’ll pay us the original investment amount plus a portion of the home’s appreciation (or depreciation) from the time the agreement was implemented. Others in the space take a share of the home’s total value at the end of the term, not just a piece of the appreciation.
What's the risk adjustment on my home's appraised value?
Unison’s risk adjustment is 5%. This discount is applied to your home’s current appraised value (set by an independent appraiser). In the industry, risk adjustments can range from 2% to 30%. A higher adjustment artificially lowers your starting value, thus increasing what you'll owe. Others focus on an “exchange ratio” instead.
What's the term length, and what happens at the end?
Unison’s Equity Sharing Agreement term is up to 30 years. You can buy us out or sell your home at any time. Terms range from 10 years to 30 years industry-wide.
What credits are available for home improvement?
If you make improvements to your home (beyond regular maintenance) that boost its value, we believe you should get all of the benefits. This is called a Remodeling Adjustment and is available after the first three years of the agreement.
Your next steps
Get your estimate
Discover how much home equity you can unlock. It takes a minute or two and won’t impact your credit.
Submit your application
Fill out a quick and easy application or work with one of our home equity specialists to see if we’re a good fit.
Appraise your home
We’ll work with you to set up an independent appraisal to determine your home’s fair market value.
Unlock your equity
Determine how much cash you want to receive and get your funds as quickly as possible.