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.

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 fund home purchases. 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 buying and owning a home.

Our programs are based on partnership with you:

  • Unison HomeBuyer
    We provide up to half of your down payment, giving you more purchasing power and allowing you to reduce your monthly mortgage payment.

  • 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.

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

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

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.

What’s the catch?

The short answer is that there is no catch:

With the Unison HomeOwner program, we allow you to access your home equity without monthly payments.

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.

What is Unison’s business model?

Unison is a San Francisco-based company that is pioneering a smarter, better way to buy and own homes. We are a team committed to helping homebuyers get the home they want and 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.

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 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.

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

Unison HomeBuyer and HomeOwner are currently available in these states:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oregon
  • Pennsylvania
  • 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!

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 Unison HomeOwner program, we can provide up to 17.5% of the value of your home by unlocking your home equity.

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.

Questions? We’re here to help.

We’ve helped thousands of people unlock equity in their homes. Let’s do the same for you.