How it works

We convert up to 15% of your home’s value to cash, so you can live the life you really want. Unlike a loan, there is no added debt, monthly payments, or interest. In return, we share in a portion of your home’s change in value when you decide to sell.

Before:

Historically, accessing your equity meant borrowing against your home, with interest charges and monthly payments.

Historically, accessing home equity means selling your home before you’re ready to pack up and move.

Now:
with Unison

Trade your equity for cash today with zero monthly payments and settle up when you sell, up to 30 years later.

Trade your equity for cash today while staying in your forever home. When you’re ready to move, your home pays Unison.

Unlock my equity

We win when you win

A Unison Equity Sharing Agreement gives you cash now in exchange for a share in your home's future change in value.

Now

Access your equity

Trade a portion of your home equity for cash to use however you like, from paying down debt to funding retirement.

For 30 years

Live your life

Create years of memories in your home, without monthly loan payments. Unison is your partner, here when you need us.

When you sell

Share the appreciation

With the sale proceeds, you'll pay Unison the original investment plus or minus a portion of your home’s change in value.

Get started

How much could you unlock?

Estimated home value

Your home's appraised value will be reduced by 5% to establish your home's Original Agreed Value. The Original Agreed Value is used to determine your home's change in value over time.

Equity you could access

$
   

This is an estimate of the amount of equity you can access — up to $500K or 15% of your home's value. Unison's share adjusts in proportion to this amount. It does not factor in the 3.9% Transaction Fee or other closing costs which reduce your net investment.

Here's the process

1.

Get your estimate

Discover how much equity you can unlock. Get a free quote in minutes with no impact to your credit.

2.

Apply in minutes

Fill out a quick and easy application or work with one of our home equity specialists to see if we’re a good fit.

3.

Appraise your home

We'll work with you to schedule an independent appraisal to assess your home’s fair market value.

4.

Receive your cash

Your funds will be delivered and ready to use however you like, with no limitations or restrictions.

Unison has helped over 17,000 Americans unlock their home equity

They say it best

We used the funds to maintain our retirement and pay down our mortgage debt. Thank you Unison!
Keiko
Las Vegas, NV
Since I am no longer using most of my income for debt, I can finally enjoy my retirement.
Jeffrey
Columbia, TN
Both my daughters are now doctors, and Unison allowed their student loans to be paid in full. Unison is highly recommended!
The Borg Family
Scottsdale, AZ

Find out how much equity you could access

Free quote
Apply in 5 minutes
Zero impact on credit score

Still have questions? Give our home equity specialists a call at 855-864-7664.