Unison’s Equity Sharing Home Loan keeps more money in your pocket by combining a loan with shared home appreciation and deferred interest2
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
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.
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.01
Get a rate estimate
Be sure to provide us with your contact and property information to see our best interest rate offer.
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Submit your application
Fill out an application to move forward or call 855-Unison4U (855-864-7664) for assistance.
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Get approved
We will assess your income and credit history to determine the loan structure that maximizes the benefit to you.
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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.
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Receive your funds
You can use the funds to consolidate debt, renovate your home, or add to your retirement savings.
Terms and ConditionsLicensingE-Communications and E-SignaturePrivacy
- Estimated monthly payments for a loan of $100,000. For well qualified customers and based on a current interest rate of 6.558% (7.491% APR) as of April, 2025. Rates subject to change. Other terms and conditions may apply and not every person will qualify for Unison’s best rate.
- Comparative estimated monthly payments are based on an internal analysis and review through April, 2025 of interest rates from 3 other leading second-lien home equity loan providers, which are averaged and applied to a 10-year amortized mortgage loan term.
- This amount is an estimated value of the equity you can access from your home and it is based on our assessment of automated valuation models (AVMs) and other valuation tools. An independent third party appraiser will determine the starting value of your home, which will impact the loan amount available. Loan minimum is currently $30,000 in AZ, CO, FL, NE, NJ, NV, UT and $50,000 in OR and may be subject to change.
- Based on an internal analysis and review through April, 2025 of interest rates for second-lien home equity loans.
- Estimated monthly payments for a loan of $100,000. For well qualified customers and based on an interest rate of 6.558% (7.491% APR) as of April, 2025. Rates subject to change. Other terms and conditions may apply.
- Unison share in the home's future appreciation is fixed at the beginning of the agreement, and the amount is proportional to the amount of your Equity Sharing Home Loan. Unison's share is typically 1.5x the percentage you borrow. For example, if you borrow 10% of your home’s current value, Unison will receive 15% of the future appreciation. Note that unlike Unison's Equity Sharing Agreement, Unison only participates in any appreciation in your home's value, and shared appreciation may affect your overall loan cost.
- The total interest payable under the Loan, including ongoing interest, deferred interest, and shared appreciation interest, if any, will not exceed a predetermined percentage that is set in the agreement (at or below state interest rate limits).
- We assess credit history, income, and property value fairly for all applicants.
- Origination fees, appraisal and closing costs may apply.