Home Co-investing: the smarter way to buy and own a home

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Getting 20% down is now easier than ever

Unison helps maximize a home buyer's down payment, getting them to 20%. No more waiting or missing out on a home they love.

Accessing a home's equity just changed forever

No monthly payments, interest or debt. Just a great way to use equity for anything a home owner needs.

Here's how Unison works

1. See if the home qualifies

We can check any home in just seconds and see if it's a fit.

2. Apply to Unison

With a 650+ credit score, application is easy for home owners or buyers.

3. We co-invest in their home

Once they're approved, funds are transferred quickly and smoothly.

4. They have a new home

No monthly payments, interest or additional debt on the Unison home co-investment.

We're on a mission

Founded in 2004, Unison is a San Francisco-based company that is pioneering a smarter way to buy and own homes. We are a team of financial and real estate professionals who are committed to helping home buyers get the home they want, and home owners get the money they need without adding debt.

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A Partner Portal made just for you

Our Partner Portal is your tool for everything Unison. Message clients and prospects, track their progress, work on deals and more, all in one place.

We’re excited to partner with you

Talk with us today about how we can work together.

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Unison Questions

Unison offers three programs: Unison HomeBuyer, Unison HomeOwner and Unison New HomeOwner. All programs provide consumers the opportunity to leverage their home equity without adding to their debt, increasing their monthly expenses or affecting their credit score. Instead, we both share in the gains and losses of the home’s value over time. The investment is a partnership between Unison and the homeowner.

The HomeBuyer program contributes to the down payment when a consumer purchases a home, enabling the consumer to increase their down payment to 20% (or more) in exchange for a shared portion of the home’s appreciation (or depreciation) up to 30 years later.

Here are FAQs that your client may ask about Unison HomeBuyer.

The HomeOwner program serves consumers who already own their home and want to benefit from their equity without adding to their debt. With HomeOwner, Unison helps homeowners convert up to 17.5% of their equity (or $500,000, whichever is lower) into cash in exchange for a shared portion of the home’s appreciation (or depreciation) up to 30 years later. The homeowner can then use that money at their discretion, including uses such as paying off debt or renovating their home.

Here are FAQs that your client may ask about Unison HomeOwner.

The New HomeOwner program is available to homeowners who have been in their home less than 12 months. New homeowners can convert up to 20% of their equity into cash in exchange for a shared portion of the home’s appreciation (or depreciation) up to 30 years later. The new homeowner can use that money to make home renovations, pay off student loans or build back some savings.

Unison has spent years developing programs that are considered equity, not debt. Debt is giving money with a schedule to defer payment over time. Equity is an ownership interest. It’s kind of like buying stock—an investor gives a company money in exchange for a piece of the company. Unison is essentially buying the option to purchase shares in the property. Like an equity investor in a company, Unison hopes the value of the property goes up so Unison profits. But there are no guarantees. If the property value declines, so does the value of Unison’s interest.