What is the difference between a share of home value and a share of change in value?

A “share of home value” model means the company receives a set percentage of your home's total ending value when you end the agreement, even if the home’s value hasn’t changed at all. A “share of change in value” model means the provider shares in the difference between the starting and ending agreed values. With Unison's model, a meaningful decrease in your home's value after the restriction period can reduce what you owe at settlement. With a home value model, you owe a percentage of the ending value regardless of how the home performed.