What's the Catch with Unison HomeOwner

Short answer: there is no catch.

We share in the investment in your home and the appreciation or depreciation when you sell. We charge no monthly payments and no interest. Explore below and learn how Unison works.


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What percentage of the change in value does Unison share? 

Unison typically shares in anywhere from 20% – 70% of the change in value based on how much you want us to invest.
Let’s look at an example that illustrates what your numbers might look like if you bought a home 30 years ago with Unison:

  • You purchased a home in 1987 
  • You put in a 20% down payment
  • You paid $1,000,000
  • Your mortgage rate was 4.0%
  • After 13 years (year 2000) your home value was appraised at $1.6 million, Unison invested 10% ($160,000) of the value of your home
  • With the 10% investment, Unison’s share is 40% of your home’s future appreciation
  • Your home value increased an average amount of appreciation (based on Federal Reserve data)

This graph shows how much equity you would gain and how much you would share with Unison over this 30-year time period. As you can see, both your equity and Unison’s share increase when the home increases in value.

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Unison HomeOwner makes the dream of buying your first home possible with home equity loans. Discover what the mortgage down payment requirements are.

Homeownership is a dream, but can tie up a lot of your money and cause financial stress. We free up that money and still let you share in appreciation in home prices.


Institutional investors have money to invest and long time horizons. They want to invest in the housing market but they don’t want to buy individual homes or collect monthly payments.

Why would Unison invest in my home?

Our company was built on the idea of partnership between Unison and homeowners. Unison’s founder, Thomas Sponholtz, started the company in order to bring together institutional investors and homeowners.

These two seemingly different groups have a lot to offer each other. Homeowners need greater flexibility for financing their home purchase or using the equity in their home. Investors need a way to invest in the housing market. Unison brings them together.

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Why haven't I heard of Unison before? Are Unison's programs fair?

Unison is pioneering a completely new way to think about home finance. We invest alongside homeowners in their homes, sharing the investment – as partners. With something this new, it’s natural that people will have questions about it.

We’ve spent a lot of time thinking about how to structure our partnership with homeowners. Our goal is to create a sustainable business that allows homeowners to have more flexibility and control over their finances.

We do believe that Unison is fair, and we hope you do too. Here’s why:


We use independent appraisals to determine the fair market value of your home at the time of our investment. From that point forward, we share in the future change in the value of the home.


It’s very important to us that we share both the upside and the downside of our shared investment in your home. If your home loses value, we share the loss with you. After the U.S. housing crisis of 2007-2008, we all know that home prices can go down. An investment from Unison means that you have a partner by your side – in good times and bad.

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  Will I save money with Unison?

While it’s impossible to compare every scenario, it is likely that you will save money with Unison’s programs. For a typical homebuyer, choosing Unison could mean saving enough money over the first year to cover 3 months of mortgage payments. Over the first 4 years of owning your home, you could save enough to cover an entire year of mortgage payments.

We’ve had customers who cut their monthly mortgage payment by hundreds of dollars by choosing to partner with Unison on their home purchase.