Unison—A Smarter Way to Access Home Equity You Already Own
No Monthly Payments. No Interest. No Debt. Get started and find out how much you can access for you home.
How it works
Convert up to 17% of your home's value to cash today and share in a portion of your home's change in value when you sell.
Get the Cash You Need
Pay Off High Interest Debt
Renovate Your Home
Start a New Business
Pay For Education
Fund Retirement
What you need to know
30 year term, client can sell their home or buy out the contract anytime.
- Unison will not share in any losses if the homeowner buys out the agreement.
- Unison will not share in any losses if the homeowner sells their home within the first 5 years of the agreement.
Get cash in exchange for an option to share in the home's change in value, up or down.
Not a loan—No extra debt, monthly payments, or interest.
$30,000 - $500,000 investment amount (5% - 17.5% of the homes value).
3% transaction fee.
Qualification criteria:
- 620+ Credit (680+ preferred).
- No bankruptcies/foreclosures in the last 5 years.
- Must have at least 35% equity in home (30% after Unison investment).
- Minimum home value $250,000.
- All mortgage payments must be current.
- All applications must have valid SSN and/or Green Card in the US.
- Primary residence.
Lien Restrictions:
- No private liens on property.
- No property tax in arrears at close.
- No judgment liens.
- No reverse mortgages.
- No other equity sharing agreements.
Be located in: Arizona, California, Colorado, Connecticut, Delaware, Florida, Indiana, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, District of Columbia / Washington DC, Wisconsin.