In which U.S. states is Unison currently available?

Unison HomeOwner is currently available in these states:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Washington
  • District of Columbia / Washington D.C.
  • Wisconsin

We’re constantly working to bring Unison to more people. If we’re not yet available in your state, please sign up for our newsletter and we’ll let you know when we add new states!

Information about Unison

Unison is a San Francisco-based company. We were founded in 2004 and since then we’ve been pioneering a new way to own homes. For the first time, homeowners have access to funding that is not tied to monthly payments or interest charges.

We are a team of financial and real estate professionals who are committed to re-inventing homeownership to give Americans more opportunity and flexibility when it comes to owning a home.

With Unison HomeOwner, we unlock the equity in your home, allowing you to use the money for other expenses, with no payments to us for up to 30 years.

What is Unison’s business model?

Unison is a San Francisco-based company that is pioneering a smarter, better way to own homes. We are a team committed to helping homeowners finance their life needs without adding debt. When we can align the interests of homeowners with the source of their capital, we can all win together.

Who are Unison HomeBuyer's partner lenders?

Unison currently partners with the following lenders:

  • American Pacific Mortgage
  • PrimeLending
  • Fairway Independent Mortgage
  • Guaranteed Rate
  • HomeBridge
  • HomeStreet Bank
  • Valley Bank
  • Goldwater Bank
  • LendUS
  • Supreme Lending
  • Guaranteed Rate Affinity
  • Paramount Residential Mortgage Group
  • Commerce Home Mortgage
  • Amerifirst Financial Inc
  • Bay Equity Home Loans
  • Land Home Financial Services
  • MVB Mortgage

We are constantly building partnerships with new lenders. Please contact us at 1-800-330-9400 or [email protected] to see if there is a qualified lender in your area.

How is Unison's profit or loss calculated upon sale?

When you sell your home, you'll need to pay us back an amount equivalent to our original investment, plus or minus our share of your home's change in value.

If you choose to buy us out instead, we'll use an independent third-party appraisal to determine the fair market value of your property at the time. Unison's share depends on how much we invested in your home to begin with. If you buy us out, Unison does not share in any decrease in your home's value.

To learn more about our agreement, click here.

How does Unison HomeBuyer work?

The Unison HomeBuyer program is a true partnership. We contribute up to half the down payment by making a homeownership investment in your home. In return, we receive a share of any appreciation or depreciation in your home's price at the time it is sold. This is not a loan, so we don't charge interest, and we don't receive monthly payments. Instead, we hope to earn a profit when you sell your home, up to 30 years later. You can also buy us out after 3 years.

To learn more about our agreement, click here.

How is Unison HomeBuyer better than an alternative?

Here is how Unison HomeBuyer stacks up against a few alternatives:

  • Unison vs. 90% mortgage with PMI: When you finance 90% of the value of the home, you will usually need to pay PMI and will have a higher monthly payment. If you choose Unison HomeBuyer, you could save up to several hundred dollars per month, which works out to about 15-20% off your monthly payment.
  • Unison vs. 2nd mortgage: When you finance a traditional mortgage and a second mortgage, your monthly payments will usually be about 10% higher than if you chose Unison HomeBuyer. That could equal hundreds of dollars per month.
  • Unison vs. FHA loan: The FHA loan usually comes with a smaller down payment and therefore you will have higher monthly payments than if you chose Unison HomeBuyer.
  • Unison vs. Gift funds: While getting money from family or friends to pay for a home purchase can be a wonderful thing, it can also complicate your relationship with them. With Unison HomeBuyer, you partner with us to get the funds you need and you share a specific portion of any future change in the home's value with Unison.
  • Unison vs. Retirement funds: Unison is not a financial advisor and does not provide financial advice. We recommend you consult with your financial advisor directly. Usually, liquidating or borrowing money from a retirement account is quite costly. Many people have found Unison HomeBuyer to be an attractive alternative.

What happens at the end of the agreement?

You can use the funds provided by Unison for up to 30 years. After 30 years, you will need to either sell your home or buy us out.

To buy us out, you would need to pay back our original investment plus or minus our share of your home's change in value. We use an independent third-party appraisal to determine the fair market value of your property at the time.

In some cases, after 30 years it might be possible to refinance your home and use the proceeds to buy out Unison's investment. However, there is no guarantee that this option will be available.

To learn more about our agreement, click here.

If I partner with Unison, who owns the home?

You own the home! You control the property and receive the benefits of home ownership, such as occupancy rights and income tax deductions.

Unison is not an owner and has no rights of occupancy. We only share a portion of the future change in value of the home, as an investor.

To learn more about our agreement, click here.

What’s the catch?

The short answer is that there is no catch:

With the Unison HomeBuyer program, we contribute part of the down payment for your new home.

We work with institutional investors like pension funds and endowments who want to make long-term investments in homes across the U.S. Both you and Unison benefit if the home increases in value, and we both lose if the home decreases in value. We see this as a win-win situation for both you and Unison.

How do I know if I can trust Unison?

Founded in 2004, we are A+ rated with the Better Business Bureau, have been featured in USA Today, Forbes, and other publications. And we have now helped people from California to Massachusetts as we are rapidly changing the way our clients finance their homes.

We’re proud to work with numerous lenders across the United States and we pride ourselves on our education process which ensures that all our clients understand how a Unison home ownership investment works.

How much funding is available with Unison?

The most we can invest in a single home is $500,000, but most of our investments are less than that.

With the HomeBuyer program, we can provide up to 20% of the value of your home by matching your own down payment money.

Of course, the amount we can invest depends on your unique situation. Please contact us to find out exactly how much we can provide you.

Where does Unison’s funding come from? Who are your investors?

Our funding comes from institutional investors, including pension funds and university endowments.