Thank you for your interest in the Unison Equity Sharing Home Loan.

For a loan of $100,000, your monthly payments could start as low as $449 per month.²

Find out your rate

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.

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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.

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.³

Below market interest rates¹

Lower monthly payments²

No prepayment penalties

Share a portion of your home’s future appreciation³

Return cap on shared appreciation component⁴

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For licensing information go to www.nmlsconsumeraccess.org. Equal Opportunity Lender.

Based on an internal analysis and review through September, 2024 of interest rates for second-lien home equity loans.
Suggested monthly payments for a loan of $100,000. For well qualified customers and based on an interest rate of 7.189% (8.239% APR) as of September, 2024. 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 does not share in any depreciation in your home’s value.
The total interest payable under the Loan, including ongoing interest, deferred interest, and shared appreciation interest, if any, will not exceed a cumulative 17% annualized.

© 2024 Real Estate Equity Exchange, Inc. d/b/a Unison (“Unison”). All rights reserved. Unison HomeOwner Equity Sharing Home Loans are provided exclusively by Unison Mortgage Corp., a wholly-owned subsidiary of Unison. Unison HomeBuyer Agreements and Unison HomeOwner Agreements are provided exclusively by Unison Agreement Corp., a wholly-owned subsidiary of Unison. Certain restrictions apply. “Unison” is a trademark of Real Estate Equity Exchange, Inc.