Access equity from your home without adding debt.
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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.
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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.