What is an Equity Sharing Agreement?

Traditionally, accessing your equity meant taking out a loan that required monthly payments and added debt. Unison offers another way to do this by investing alongside you. We provide a cash payment today in exchange for an option to share in your home’s future change in value. If the house 's value goes up, we both win, and If it goes down in value, Unison may even share in that loss.

At the outset of our agreement, we’ll determine a starting value for your home using an independent appraisal. We then unlock your equity, giving you cash to use freely however you want for up to 30 years. Whenever you decide to sell the home our buy us out, you won't owe any interest, but we'll share in the gain (or loss) the home has seen since the agreement began, according to a set percentage established to up front.