Unlock cash from your home equity

No. There's no interest rate, no monthly payment, and no debt added to your credit profile. Unison invests in your home and shares in its future change in value. Your only payment is based on the home's final market value due when you sell, buy out the agreement, or reach the end of the 30-year term. If you sell after the restriction period and your home has lost value, you could owe less than the amount you received up front. In cases of significant depreciation, Unison's final payment could even drop to zero.

The home equity built with every monthly mortgage payment belongs entirely to you. Unison only shares in the future change of your home’s market value.

For example, if the Original Agreed Value of your home is $500,000 and you sell it ten years later for $600,000, we'll only share in a percentage of that $100,000 growth in value. All the additional equity you've earned by paying down your mortgage debt is 100% yours to keep.

Yes. Unison is not a loan; we are invested in your home alongside you, so we win and lose together. Though such cases are not common, with significant decline in your home’s value–something neither of us are looking for!–it is possible that the value of the agreement, and your ending amount due to Unison, would be $0. It’s this feature along with the absence of any monthly payments that distinguishes an equity sharing agreement from a loan.

We believe that if you make improvements that boost your home’s value (beyond regular maintenance), you should keep all the benefits. That’s why we use a tool called a Remodeling Adjustment.

To qualify for a Remodeling Adjustment, you need to work with licensed contractors and fully document the project. We then use an independent appraiser to determine how the work changed the value of your home, making sure you receive full benefits. Keep in mind that some renovations add more value than others and some don’t add any new value at all. Whenever you are thinking about a project it is always a good first step to reach out to our team. It’s important to note that the Remodeling Adjustment doesn’t apply if you end the agreement in the first three years.

The honest answer: If your home gains a lot of value during the agreement, Unison's share of that growth can exceed the total interest you might have paid on a loan. That's the trade-off. Cash now with zero payments for up to 30 years in exchange for a slice of the unknown future growth in your home's value. If your home doesn’t appreciate that much, or even loses value, equity sharing can be a significantly more affordable way to access the wealth in your home.