Frequently Asked Questions

What does Unison need to know in order to determine whether they will invest in my home?

We evaluate credit, income, and your property–all of which can be done without any financial obligation to you, or impact to your credit.

What is an Equity Sharing Agreement?
Is an Equity Sharing Agreement a loan?
How much funding is available?
How does an equity sharing agreement end?
What percentage of the future change in the home’s value will Unison share?
How does Unison determine my home's starting value?
What is the difference between a share of home value and a share of change in value?
Will an Equity Sharing Agreement affect my current mortgage rate?
What happens to the equity I'm building with every mortgage payment?
Do I still own my home with an Equity Sharing Agreement?
How does Unison secure its interest in the property?
In what situations would Unison not be the right option?
So, what's the catch?
In which states are Equity Sharing Agreements available?
What do I need in order to qualify for a Unison equity sharing agreement?
What does Unison need to know in order to determine whether they will invest in my home?
What kind of properties are eligible?
What is the Owner Occupancy Requirement?
Am I allowed to rent my property in the future?
Will applying hurt my credit score?
Why does Unison require a home appraisal and is it accurate?
How does Unison assess my property?
What are the costs associated with Unison?
How does Unison affect my taxes?
Will Unison share in the value added by my home improvements?
What happens if I get behind on home maintenance?
If I choose a Unison equity sharing agreement, can I still refinance in the future?
What if I can't make my mortgage payments and default?
What happens if I'm facing foreclosure?
What happens to the Unison agreement if I pass away?
Can I sell my home any time I want?
Can I buy out Unison's investment without selling my home?
How is Unison's profit or loss calculated upon sale?
Does Unison share in the downside if my home loses value?
What is the “restriction period”? Can I sell my home at any time?
What is the Equity Appreciation Limit and how does that affect my payment to Unison during the Restriction Period?
What is a Deferred Maintenance Adjustment?
Does Unison share in selling costs?
What happens if I'm still in my home after 30 years?
How does Unison compare to Point?
How does Unison compare to Hometap?
How does Unison compare to Unlock?
How does Unison compare to Splitero?
How does Unison compare to Nada?
Who is Unison?
What is Unison’s business model?
Where does Unison’s funding come from? Who are your investors?
How do I know if I can trust Unison?
How does Unison store and protect my information?
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Visit our contact page to send us your questions or give us a call at 855-864-7664.
Topics
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Application
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About Unison

Equity Sharing Agreements are not loans. There are no monthly payments or interest. You will share in the future change to your home's value, which may result in you owing more or less than the amount you receive. Home values can go up or down. Eligibility requirements apply. Not available in all states. Past or hypothetical examples are for illustration only and do not guarantee future results. Please review all program documents and consult a financial advisor before proceeding.