SAN FRANCISCO — July 1, 2025 — Unison Mortgage Corporation, a Unison company, today announced the launch of its Equity Sharing Home Loan in California. Unison’s Equity Sharing Home Loan delivers unmatched affordability for homeowners feeling the squeeze of today's economic pressures.

For a $100,000 loan, monthly payments could be as low as $308* at a 5.38% APR. In contrast, a comparable fully amortizing 10-year closed-end second mortgage at current market rates might require monthly payments of approximately $1,208. This difference can result in annual savings of nearly $10,000**, offering significant cash flow relief for households facing inflation and rising debt.

High credit card balances and early 401(k) withdrawals are becoming common coping mechanisms for U.S. households with finances stretched thin. As financial anxiety grows, many homeowners are looking for ways to unlock the value of their homes without taking on more unmanageable debt.

The innovative Unison Equity Sharing Home Loan combines the benefits of home loans and home equity sharing agreements into a unique mortgage solution that allows homeowners to convert their home equity into cash with low monthly payments.

“California homeowners have long faced some of the highest costs of living in the country, and traditional home financing options often fall short in meeting their needs,” said Ryan Downs, President of Unison. “With the launch of our Equity Sharing Home Loan in California, we're offering a more flexible path forward—one that reduces monthly payments and gives families access to the equity they’ve built without adding to their financial stress.”

With Unison’s Equity Sharing Home Loan, homeowners can:

• - Invest in renovations and home improvement projects
• - Consolidate high-interest debt
• - Refinance second mortgages for lower monthly payments
• - Increase their retirement savings
• - Install solar panels or make energy-efficient upgrades

Availability

The Unison Equity Sharing Home Loan is available in California today. Find out if you are eligible and obtain a free rate estimate with no obligation by visiting here.

About Unison Equity Sharing Home Loan:

The Equity Sharing Home Loan is a second mortgage that allows borrowers to access their home equity with low monthly payments. In exchange, Unison receives a portion of the home's future appreciation. The loan features lower monthly payments by splitting interest into ongoing (paid monthly) and deferred (compounded) portions. The total cost includes deferred interest and depends on home appreciation, and is repaid at the term's end. Check your eligibility and get a free, no-obligation estimate at www.unison.com/homeloan.

About Unison:

Based in San Francisco and Omaha, Unison is pioneering a smarter, better way to own your home. Until now, the only way to harvest hard-earned equity was by selling your home, or taking on enormous additional debt. Through Unison equity sharing agreements and equity sharing home loans, we help homeowners access their equity in a new and innovative way with low or no monthly payments. We are an investment management company with over $1.8 billion in assets under management, and we furnish investors with the opportunity to access the returns associated with home price appreciation, minus the overhead of home ownership. Our equity sharing agreements have empowered 12,000 households to pursue financial wellness, and we’re proud to continue to enhance home affordability, reduce debt, and deliver a less risky way for homeowners, investors, and society to think about that important asset - the home. For additional information, visit www.unison.com and www.unisonim.com.