Access your home’s equity for as little as $XXX per month on every $100K borrowed

Unison has helped 12,000+ homeowners tap into their home equity to confidently renovate their homes, refinance an expensive HELOC, or plan for retirement.
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Lock in an APR as low as X.XXX%1
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Up to 70% lower monthly payments2
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Interest-only for 10 years

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“In searching for the best form of financing, I considered four different companies. [..] Unison, by far, has what I saw as the fairest and most unique product out there. [..]” – William

Smarter than a traditional loan

Don’t let stubbornly high interest rates postpone your plans. By sharing a portion of your home’s future growth in value, you can now lock in a below-market rate and move forward with your life.

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Qualify for up to $XXXK to use however you like
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Cut your monthly debt payments in half or more
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Pay off your loan anytime without penalty
Example loan amount
$100,000
$XXK $XXXK
Compare monthly payments1
Unison
$XXX
Typical Home Equity Loan
$X,XXX

How it works

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A straight forward deal

Instead of charging higher interest rates like every other lender, we share in a fraction of your home's future growth in value. This also allows us to provide unmatched repayment flexibility.

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We win when you win

If your home’s value stays flat, we both miss out on some gain – but if your home’s value grows, we’ll share in a portion of that profit. This alignment means we’re invested in your success and financial wellbeing.

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Only with Unison

Because we’re backed by patient, long-term institutional investors like pension funds, we’re able to offer below-market rates and low monthly payments traditional banks simply can't beat.

Quickly see if you qualify

12,000+ homeowners have already unlocked their equity with Unison

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Discover how low your monthly payment could be
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Still have questions? Give our home equity experts a call at 855-864-7664.
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Unison Mortgage Corporation | 4 Embarcadero Center, Ste. 710, San Francisco, CA 94111 | 415-992-4200 | NMLS #2574289 | For licensing information go to nmlsconsumeraccess.org. Equal Opportunity Lender.

  1. The example X.XXX% interest rate (X.XXX% APR) is based on a $100,000 loan amount with a 10-year term and assumes an 780+ credit score, a 50% combined loan-to-value (CLTV) ratio, and a 40% debt-to-income (DTI) ratio. This rate is current as of DD/MM/YYYY 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 $XXX.XX in this example). The remaining 25% ($XXX.XX) 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.
  2. Comparative estimated monthly payments are based on an internal analysis and review through <Month YYYY> 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.
  3. 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.

© <YYYY> Real Estate Equity Exchange, Inc. d/b/a Unison (“Unison”). All rights reserved. Unison HomeOwner Equity Sharing Home Loans are provided exclusively by Unison Mortgage Corporation, a wholly-owned subsidiary of Unison. Certain restrictions apply. “Unison” is a trademark of Real Estate Equity Exchange, Inc.