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Home equity cash.
No monthly payments.
No interest. No kidding.
Get up to $500k from of your home's equity with zero payments and no interest for up to 30 years. Enjoy the wealth in your home today by sharing in the future growth of your home's value when you sell or reinfiance.
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 stands with you, here when you need us.
Share the appreciation
From the sale proceeds, you'll pay Unison the original amount received, 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 term length, and what happens at the end?
The Unison Equity Sharing Agreement gives you cash today with no payments due until you decide to end the agreement within a 30-year term, either by selling your home or buying us out. You’ll then owe a single lump-sum payment based on how much your home’s value has changed since you received Unison's investment.
What will I owe Unison when I exit the agreement?
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.
How does Unison determine the starting value of my home?
Unison applies a 5% risk adjustment to your home’s indpendently appraised value. This helps account for the uncertainty inherent in the appraisal process and allows Unison to deliver your funds faster and without the added costs of multiple appraisals.
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.
If I make home improvements, will Unison share in the added value?
We believe that you should keep 100% of the value added by the significant improvements you make to your home (beyond regular maintenance). We account for this with a feature called the Remodeling Adjustment.
When you exit the agreement, we’ll use an independent appraiser to determine how much value your improvements added, and deduct that amount from the total appreciation shared with Unison. To qualify, you'll need to give us advance notice, use licensed contractors, and document the project properly. Keep in mind that the Remodeling Adjustment only becomes available after the three-year anniversary of your agreement, and not all renovations increase a home's value by the full cost of the project.
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
Decide how much cash you want to receive and get your funds as quickly as possible.