Aerial view of a residential neighborhood.
Aerial view of a residential neighborhood.

The Unison promise

Your home is your largest asset, but that wealth only lives on paper. It hasn't been money you can actually put to use without selling or straining your budget. That's why we pioneered an alternative.

Unison's growth sharing model enables our two innovative home equity solutions with low or no monthly payments. You retain 100% ownership and can use the cash however you like.

Your home. Your goals. Your timeline.

20
 years
Modernizing home
equity finance
17,000
+
Empowered
homeowners
$
1.02
B
Home wealth
unlocked
20
 years
Modernizing Home
Equity Finance
17,000
+
Empowered
Homeowners
$
1.02
B
Home Wealth
Unlocked

Explore smarter home equity solutions

There’s more than one way to access the wealth in your home.

The Original
Equity Sharing Agreement

No monthly payments

Turn your equity into cash without monthly payments or interest by sharing in a portion of your home’s future growth in value when you sell or refinance.

At the end of the agreement, you'll pay the original amount received, plus or minus Unison's share of the home’s change in value as a lump sum. If your home's value goes down, you may owe less than you received.

0%
Interest
30
Year term
The Hybrid
Equity Sharing Home Loan

Low monthly payments

To share less of your home's future growth in value, lock in a low rate with Unison and only pay interest each month.

When it's time to repay the loan, you'll owe the original principal, plus Unison's share of any increase in the home's value as a lump sum. As this is a loan, we won't share in any downside if your home loses value.

Starting at
5.577%
Fixed APR1
10
Year term

Additional conditions apply. Please contact a Unison home equity specialist for details. Your home's change in value over the duration of the contract will determine whether either of these offerings is more or less expensive than a traditional loan.

Unison success stories

It allowed us to fulfill our dream with our children – to give them the opportunity of a lifetime.

The Roberts Family
Rochester
NY

The Roberts family had come to a decision: their children would be best positioned to succeed with their mom as their teacher. But homeschooling meant a loss of income from Mom, as well as extra space needed to create an effective classroom. All of which meant tightening the wallet, and with Dad’s business facing a hardship, loans weren’t on the table. With Unison, the Roberts were able to pay down existing debts, move to a bigger home, and balance their budget to bring their dreams as a family to life.

Individual outcomes vary based on home value change and the timing of termination.

Your goals. On your timeline.

Put your money towards what matters most. From big plans to big projects, see what's possible — then make it happen.

Fund a renovation
Consolidate debt
Invest in education
Prepare for retirement
Invest in education
Prepare for retirement
Bridge a financial gap
Seize an opportunity
Seize an opportunity
Cover a big expense
Start a new business
Bridge a financial gap
Enjoy your best life
Keep the home you love

Results you can see

Highly recommended!

Both my daughters are now doctors, and Unison allowed their student loans to be paid in full. Unison is highly recommended!

star
star
star
star
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The Borg Family
Scottsdale
AZ

Smooth and easy

It was a pleasure working with Unison, their professionalism made the process go smooth and easy.

star
star
star
star
star
Edward G.
Elizabeth
CO

They literally saved us

Great people that actually seem to care. My whole experience was just fantastic. They literally saved us.

star
star
star
star
star
Jeremie S.
Tampa
FL

How to get started

1.

Get your estimate

Discover how much equity you can unlock. Get a free quote in minutes with no impact to your credit.

2.

Submit your application

Fill out a quick and easy application or work with one of our home equity specialists to see if we’re a good fit.

3.

Appraise your home

We'll work with you to schedule an independent appraisal to assess your home’s fair market value.

4.

Receive your cash

Your funds will be delivered and ready to use however you like, with no limitations or restrictions.

Turn your plan into action

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Still have questions? Give our home equity experts a call at 855-864-7664