How does Unison compare to Nada?
Nada offers a Home Equity Agreement (HEA), while Unison offers an Equity Sharing Agreement (ESA). With Nada, you get cash up front in exchange for an immediate share of your home's entire value, paid at settlement.1 That means you're sharing a big piece of the pie from Day 1.
With Unison, you also receive cash up front, but you only share in the change of your home's value, NOT the total home value. The cost only starts to increase as your home's value increases, over time. And if it loses value (after the initial restriction period), we share in the downside, too. No matter what, the equity you built before signing stays 100% yours.
Another difference is that Nada's term is just 10 years.2 That means you'll have to come up with the cash or sell your home in a short timeframe. Unison's term is 30 years, giving you the flexibility to sell or settle when it's right for your family, when the market is where you want it, or ideally, both.
Unison also offers Remodeling Adjustments (also called a Capital Improvement Adjustment), which can reduce what you pay back if your renovation projects help boost your home's value. Nada does not publicly offer any renovation adjustment, which would mean any increase in value you build through home improvements would be shared with Nada at the end.
Explore the full comparison to understand the differences between equity sharing with Unison and Nada.
Note: This comparison is based on publicly available information as of September 14, 2026 and is for informational purposes only. Verify current terms directly with each provider.