Unison Announces Partnership with Intercap Lending to Expand Home Equity Access
Intercap Lending’s network of loan officers can now offer Unison’s non-debt equity sharing product alongside traditional mortgage and refinance solutions
OMAHA, NE — August 19, 2026 — Unison, a leading provider of innovative home equity solutions, today announced an active, non-exclusive referral partnership with Intercap Lending Inc. The partnership integrates the Unison Home Equity Sharing Agreement into Intercap's offerings, allowing their network of loan officers to provide a non-debt equity sharing product alongside traditional mortgage and refinance solutions.
A Core Alternative for Homeowners
Through this partnership, U.S. homeowners seeking capital for debt consolidation, home improvements, or major life expenses can do so without adding monthly debt payments. Homeowners can access up to 15% of their home equity in liquid cash with no new monthly payments, exchanging a portion of their home's future value instead. This gives borrowers the freedom to use their home equity in a way that a product with monthly payments wouldn’t normally allow.
Theodor Haugen, VP of TPO and Customer Experience at Unison, notes that this gives Intercap loan officers a complementary financial solution for homeowners who want access to their home equity. This is especially valuable for clients who don’t want to take on high monthly payments, or who may not qualify for standard cash-out refinances or HELOCs due to the added debt-to-income (DTI) constraints that come from taking on additional debt.
Expanded Distribution and Channel Growth
The agreement, started in May 2026, aligns directly with Unison’s strategic priority to expand broker distribution networks nationwide. This partnership combines Unison’s innovative equity sharing solution with Intercap’s robust multi-state footprint and top-tier loan officer network. By integrating Unison into their toolkit, Intercap’s trusted team can seamlessly guide borrowers toward alternative equity solutions when traditional loans aren't the best fit. Together, both companies are advancing a modern lending ecosystem that prioritizes versatile financial options for every client.
About Intercap Lending
Established in 1978, Intercap Lending is a premier direct mortgage lender headquartered in Draper, Utah. With over 45 years in business, Intercap maintains a 4.9-star* customer rating across major platforms with a substantial servicing portfolio. As a direct Fannie Mae, Freddie Mac, and Ginnie Mae seller/servicer, Intercap offers a comprehensive portfolio of residential financing solutions, including conventional, FHA, VA, USDA, non-conforming, and niche loan programs. Intercap combines dedicated loan officer expertise, streamlined in-house processing and underwriting, and modern technology to make the mortgage experience seamless for homeowners and industry partners. For more information, visit www.intercaplending.com.
About Unison
Investing in homes since 2006, UIM currently manages $1.76 billion in residential equity agreements, with more than 10,500 agreements originated. For more information about Unison and its products and services, visit Unison.com.
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