Unlock
financial
freedom

Access equity from your home without adding debt.
Get Started

Lose the debt. Access up to 17.5% of your home’s value.

Whatever financial concerns you have, we can help. Convert your home equity to cash and use it however you want. No extra debt. No interest. No monthly payments.

We will give you up to
if your property value is
We will give you up to
if your property value is
We’re doing the math...
We couldn’t find that address.
Not eligible for unison, but property estimated value is
Press enter to submit
Your home qualifies for Unison HomeOwner Take the next step
We can’t find that address. Double check to make sure it's correct
This home is not eligible for a Unison Equity Investment

Or tell us the estimate you have in mind:

We're co-investors, not lenders.

We help unlock your home’s equity in exchange for a portion of your home’s appreciation when you sell. No extra debt, no interest, no monthly payments. Plus, we share in the upside and the down. Because that’s true partnership.
Learn more

A better way to free up equity

HELOC

The math behind it

This is assuming that you will put down 12.5% of $50,000 for your down payment.

Average credit score to qualify

620

Debt-to-income to qualify

43%

Monthly payments

Yes

Average interest rates

5.51%

Unison HomeOwner

The math behind it

This is assuming that you will put down 12.5% of $50,000 for your down payment.

Average credit score to qualify

680

Debt to income to qualify

50%

Monthly payments

None

Average interest rates

0%

See if your home qualifies for HomeOwner.

Enter your address below

Debt was holding the Roberts Family back.

The Roberts Family used Unison HomeOwner to get control of their finances and give their kids the life they wanted.

HomeOwner Questions

The majority of Unison deals close in three to four weeks. For the HomeOwner program, we can usually provide funds to you within 30 days of submitting your application, depending on the time needed to get an appraisal.

If at the end of 30 years you are still happily situated in your home, you have the option to "buy" Unison out. In that situation, Unison would employ an independent appraiser to determine the fair market value of your home. We would then use that figure as if you had sold your home to settle our agreement.

No! The equity you build with your monthly payments belongs to you. We only share in the change in the value of the home over time.

We believe that if you make improvements to your home that change its value, you should get all the benefits. That’s why we use a tool called a Remodeling Adjustment.

To use the Remodeling Adjustment, you need to work with licensed contractors and fully document the project. We use an independent appraiser to determine how the work changed the value of your home, making sure you receive full benefits. It's always a good first step to reach out to our team when you're thinking about a project, as not all improvements add value. For HomeOwner customers the remodeling adjustment is only valid if the agreement is ended after the first five years (but can be applied to work that is done at any time). Some programs may be subject to additional restrictions, which your Program Specialist will always inform you of.

Unison makes equity investments that are not loans. Rather than saddling our customers with more debt, we invest in their homes. Unlike a loan, we don’t have an interest rate or a guaranteed return. Instead, our investment means that we have a shared interest with our customers. If the home value goes up, we share in that when you sell or end our agreement. If the home value goes down, we also share in the loss.

Questions? We’re here to help.

We’ve helped thousands of people unlock equity in their homes. Let’s do the same for you.