The example 4.897% interest rate (5.350% APR) is based on a $100,000 loan amount with a 10-year term and assumes an 800+ credit score, a 50% combined loan-to-value (CLTV) ratio, and a 40% debt-to-income (DTI) ratio. This rate is current as of 7/28/2025 and subject to change. The APR includes interest and estimated closing fees but excludes shared appreciation costs, which requires sharing a portion of your home's value increase when you sell or at loan maturity. The minimum monthly payment is 75% of the monthly accrued interest (starting at $306.08 in this example). The remaining 25% ($102.03) may be deferred, increasing the principal loan balance (negative amortization). No penalty applies to additional payments. At termination, any remaining principal, deferred interest, and the shared appreciation component is due in a lump-sum balloon payment. Your actual terms will vary based on your credit, income, loan amount, and market conditions. See our frequently asked questions for more details.

Comparative estimated monthly payments are based on an internal analysis and review through July, 2025 of interest rates from 3 other leading second-lien home equity loan providers, which are averaged and applied to a 10-year amortized mortgage loan term. Savings do not reflect the additional cost associated with shared appreciation due at the end of 10 years, which will decrease potential savings.

Unison’s share in the home's future appreciation is fixed at the beginning of the agreement, and the amount is proportional to the amount of your Equity Sharing Home Loan. Unison's share is typically 1.5x the percentage you borrow. For example, if you borrow 10% of your home’s current value, Unison will receive 15% of the future appreciation. Note that unlike Unison's Equity Sharing Agreement, Unison only participates in any appreciation in your home's value.