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Thank you for your interest in the Unison Equity Sharing Home Loan.

For a loan of $100,000, your monthly payments could start as low as $471 per month. 2

Find out your rate

Get started today,
tell us more about your property:

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    What is the value of your home?
    What is your total mortgage balance?

    … and about you:

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    Unison featured in Wall Street Journal
    Unison featured in Wall Street Journal

    Carlyle Targets Home-Equity Deals with Stake in Unison

    Isaac Taylor for Wall Street Journal

    Carlyle has agreed to purchase a minority stake in Unison, a firm that provides cash to homeowners in exchange for a share of their home's equity. The private-markets firm also agreed to buy $300 million of newly issued equity-sharing home loans from Unison [...] Unison has entered equity-sharing agreements with 17,000 homeowners.
    Unison featured in The Gazette
    Unison featured in The Gazette

    Unison featured in Arizona Daily Star
    Unison featured in Arizona Daily Star

    Unison featured in The Daily Sentinel
    Unison featured in The Daily Sentinel

    Unison featured in Arizona Daily Sun
    Unison featured in Arizona Daily Sun

    Unison in the news

    Here’s the process

    01

    Get a rate estimate

    Be sure to provide us with your contact and property information to see our best interest rate offer.

    02

    Submit your application

    Fill out an application to move forward or call 855-Unison4U (855-864-7664) for assistance.

    03

    Get approved

    We will assess your income and credit history to determine the loan structure that maximizes the benefit to you.

    04

    Get your home appraised

    We will work with you to set up a third party appraisal of your home to determine its value. Once complete, we will then conduct a full, final review of your application.

    05

    Receive your funds

    You can use the funds to consolidate debt, renovate your home, or add to your retirement savings.

    What is a Unison Equity Sharing Home Loan?

    The equity sharing home loan is a 10-year interest-only home loan with a shared appreciation component. You get to enjoy lower monthly payments thanks to both the loan’s partially deferred interest, as well as Unison’s share of the future appreciation of your home.

    Below market interest rates4

    Lower monthly payments5

    No prepayment penalties

    Share a portion of your home’s future appreciation6

    Return cap on shared appreciation component7