What is the Risk Adjustment and how does Unison determine my home’s starting value?

If both you and Unison accept the value from your appraisal, we will then reduce that value by a 5.0% Risk Adjustment. The resulting value is called the Original Agreed Value. This 5.0% adjustment to your home’s appraised value helps account for the uncertainty inherent in the appraisal process. It also allows Unison to deliver your funds faster and without the added costs of multiple appraisals.

Original Agreed Value = Appraised Value - 5.0%

For example, if your home has an appraised value of $500,000, your Original Agreed Value will equal $475,000.