How It Works

Unison HomeOwner

The Unison HomeOwner program is a true partnership. We pay you up to 20% of your home’s value. It’s not a gift, we’re making a homeownership investment in your home. In return, we receive a share of any appreciation or depreciation in your home’s price at the time it is sold. This is not a loan, so we don’t charge interest, and we don’t receive monthly payments. Instead, we hope to earn a profit when you sell your home — up to 30 years later. You can also buy us out after 3 years.


The easiest way to understand Unison HomeOwner is through an example.
Input your current home value and then adjust the slider.
We’ll show you how a Unison HomeOwner deal could resolve in three scenarios.

Current Home Value: $500,000 Unison Investment: $50,000
Mortgage Amount: $250,000 Unison Share of Change in Value: 40%
Lived in Home for longer than a year Sell Home in Year 10
STARTING PRICE
SALE PRICE
CHANGE IN VALUE
UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO
UNISON

Home has gained value
STARTING PRICE
$500,000
SALE PRICE
$600,000
CHANGE IN VALUE
+$100,000
UNISON SHARE OF CHANGE IN VALUE
+$40,000

PAYMENT TO
UNISON

$90,000

$50,000 invested plus $40,000 profit

Home has lost value
STARTING PRICE
$500,000
SALE PRICE
$400,000
CHANGE IN VALUE
-$100,000
UNISON SHARE OF CHANGE IN VALUE
-$40,000

PAYMENT TO
UNISON

$10,000

$50,000 invested minus $40,000 loss

Home value has stayed the same
STARTING PRICE
$500,000
SALE PRICE
$500,000
CHANGE IN VALUE
$0
UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO
UNISON

$50,000

No profit

Our return on investment comes only from a share of the change in value of the home. All home equity you create by paying down your mortgage belongs to you. The table below demonstrates this.

STARTING PRICE
SALE PRICE
CHANGE IN VALUE
UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON

PAYMENT TO LENDERsee footnote 3

GROSS SALE PROCEEDS TO YOUsee footnote 4

Home has gained value
STARTING PRICE
$500,000
SALE PRICE
$600,000
CHANGE IN VALUE
+$100,000
UNISON SHARE OF CHANGE IN VALUE
+$40,000

PAYMENT TO UNISON

$90,000

$50,000 invested plus $40,000 profit

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$330,000

Home has lost value
STARTING PRICE
$500,000
SALE PRICE
$400,000
CHANGE IN VALUE
-$100,000
UNISON SHARE OF CHANGE IN VALUE
-$40,000

PAYMENT TO UNISON

$10,000

$50,000 invested minus $40,000 loss

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$210,000

Home value has stayed the same
STARTING PRICE
$500,000
SALE PRICE
$500,000
CHANGE IN VALUE
$0
UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON

$50,000

No profit

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$270,000
Purchase Price: $500,000 Unison Investment: $75,000
Mortgage Amount: $250,000 Unison Share of Change in Value: 60%
Lived in Home for longer than a year Sell Home in Year 10

 

STARTING PRICE
SALE PRICE
CHANGE IN VALUE
UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON

 Home has gained value

STARTING PRICE
$500,000
SALE PRICE
$600,000
CHANGE IN VALUE
+$100,000
UNISON SHARE OF CHANGE IN VALUE
+$60,000

PAYMENT TO UNISON

$135,000

$75,000 invested plus $60,000 profit

Home has lost value

STARTING PRICE
$500,000
SALE PRICE
$400,000
CHANGE IN VALUE
-$100,000
UNISON SHARE OF CHANGE IN VALUE
-$60,000

PAYMENT TO UNISON

$15,000

$75,000 invested minus $60,000 loss

Home value has stayed the same

STARTING PRICE
$500,000
SALE PRICE
$500,000
CHANGE IN VALUE
$0
UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON

$75,000

No profit

Our return on investment comes only from a share of the change in value of the home. All home equity you create by paying down your mortgage belongs to you. The table below demonstrates this.

STARTING PRICE
SALE PRICE
CHANGE IN VALUE
UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON

PAYMENT TO LENDERsee footnote 3

GROSS SALE PROCEEDS TO YOUsee footnote 4

Home has gained value
STARTING PRICE
$500,000
SALE PRICE
$600,000
CHANGE IN VALUE
+$100,000
UNISON SHARE OF CHANGE IN VALUE
+$60,000

PAYMENT TO UNISON

$135,000

$75,000 invested plus $60,000 profit

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$285,000

Home has lost value
STARTING PRICE
$500,000
SALE PRICE
$400,000
CHANGE IN VALUE
-$100,000
UNISON SHARE OF CHANGE IN VALUE
-$60,000

PAYMENT TO UNISON

$15,000

$75,000 invested minus $60,000 loss

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$205,000

Home value has stayed the same
STARTING PRICE
$500,000
SALE PRICE
$500,000
CHANGE IN VALUE
$0
UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON

$75,000

No profit

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$240,000
Purchase Price: $500,000 Unison Investment: $50,000
Mortgage Amount: $250,000 Unison Share of Change in Value: 35%
Lived in Home for less than a year Sell Home in Year 10
PURCHASE PRICE
SALE PRICE
CHANGE IN VALUE
UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON


Home has gained value
STARTING PRICE
$500,000
SALE PRICE
$600,000
CHANGE IN VALUE
+$100,000
UNISON SHARE OF CHANGE IN VALUE
+$35,000

PAYMENT TO UNISON

$85,000

$50,000 invested plus $35,000 profit


Home has lost value
STARTING PRICE
$500,000
SALE PRICE
$400,000
CHANGE IN VALUE
-$100,000
UNISON SHARE OF CHANGE IN VALUE
-$35,000

PAYMENT TO UNISON

$15,000

$50,000 invested minus $35,000 loss


Home value has stayed the same
STARTING PRICE
$500,000
SALE PRICE
$500,000
CHANGE IN VALUE
No change in value
UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON

$50,000

No profit

Our return on investment comes only from a share of the change in value of the home. All home equity you create by paying down your mortgage belongs to you. The table below demonstrates this.

PURCHASE PRICE
SALE PRICE
CHANGE IN VALUE
UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON

PAYMENT TO LENDERsee footnote 3

GROSS SALE PROCEEDS TO YOUsee footnote 4

Home has gained value
STARTING PRICE
$500,000
SALE PRICE
$600,000
CHANGE IN VALUE
+$100,000
UNISON SHARE OF CHANGE IN VALUE
+$35,000

PAYMENT TO UNISON

$85,000

$50,000 invested plus $35,000 profit

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$335,000

Home has lost value
STARTING PRICE
$500,000
SALE PRICE
$400,000
CHANGE IN VALUE
-$100,000
UNISON SHARE OF CHANGE IN VALUE
-$35,000

PAYMENT TO UNISON

$15,000

$50,000 invested minus $35,000 loss

PAYMENT TO LENDERsee footnote 3

$180,000

 

GROSS SALE PROCEEDS TO YOUsee footnote 4
$205,000

Home value has stayed the same
STARTING PRICE
$500,000
SALE PRICE
$500,000
CHANGE IN VALUE
No change in value
UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON

$50,000

No profit

PAYMENT TO LENDERsee footnote 3

$180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$270,000
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The above is a hypothetical example only. It is not an offer or guarantee of any kind. This estimate does not include any fees or other restrictions that may apply. You are urged to carefully review all options with your legal, tax and financial advisors, and family members.

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