Welcome to Unison<br /> Equity Sharing Home Loan
Welcome to Unison
Equity Sharing Home Loan

  • Below market interest rates for second mortgage loans*

  • Fixed interest-only with lower monthly payments

  • Monthly payments starting at $410 on a $100,000 loan**

  • No prepayment penalties

Access up to $400,000***
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    We are here to help, call our team:
    855-864-7664

    *Estimated monthly payments for a loan of $100,000. For well qualified customers and based on APR of 7.491% as of May, 2025. Rates subject to change. Other terms and conditions may apply.

    **Based on an internal analysis and review through May, 2025 of interest rates for second-lien home equity loans.

    ***This amount is an estimated value of the equity you can access from your home and it is based on our assessment of automated valuation models (AVMs) and other valuation tools. An independent third party appraiser will determine the starting value of your home, which will impact the loan amount available. Loan minimum is currently $30,000 in AZ, CO, FL, NE, NJ, NV, UT and $50,000 in OR and may be subject to change.

    How it works
    Now

    Access your funds now

    by leveraging a below-market, fixed interest rate, with a deferred interest and a shared appreciation of your home's future value. Use your funds how you want – from remodeling, reducing debt to funding retirement.

    For 10 Years

    Live your life

    Create years of memories in your home, enjoying low, interest-only monthly payments, and predictable cash flow. Unison is your partner, here when you need us.

    At Maturity or early payout

    Share the appreciation

    At the 10 year mark or sooner, if you choose to, without prepayment penalties, we’ll share a portion of your home’s appreciation, and receive the deferred interest payment.

    How Does Unison Calculate Interest? arrow
    How Does Unison Calculate the Percentage of Shared Home Price Appreciation? arrow
    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.