Information about Unison

Unison is a San Francisco-based company founded in 2004, and since then we’ve been pioneering a smarter, better way to own homes. For the first time, homeowners have access to funding that is not tied to monthly payments or interest charges. 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. We call it home co-investing. Making this possible is 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. We’ve helped over 7,800 homeowners optimize homeownership.

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

Unison HomeOwner is currently available in these states:

  • Arizona
  • 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, we encourage you to check back here often for updates or follow us on Instagram, Facebook or LinkedIn.

What is Unison’s business model?

Unison has pioneered a smarter, better way to own your home by co-investing in residential real estate. Until now, the main way to access your equity was to add on more debt. We provide homeowners an alternative by converting a portion of their existing home equity to cash without monthly payments. By sharing in the gains only if the home goes up in value, we strive to align with the interests of our homeowners and win together.

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

When you sell your home, you'll need to pay us the amount of our original co-investment, plus or minus our share of your home's change in value. Unison's share depends on how much we invested in your home to begin with.


If you choose to buy us out instead after your restriction period passes, we'll use an independent third-party appraisal to determine the fair market value of your property at the time. 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.

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 the amount of our original co-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. Rather, we share a portion of the future change in value of the home, as an investor. We secure our investment the same way traditional lenders do, without becoming in any way co-owners of your home.


To learn more about our agreement, click here.

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 pride ourselves on our education process which ensures that all our clients understand how a Unison home co-investment works.

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

We seek “patient capital” content to invest in your home for up to 30 years with no monthly payments. Our funding primarily comes from institutional investors, including pension funds and university endowments.

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.