Unison Homeownership Understand the Pros and Cons

What Unison Is All About

Based in San Francisco, Unison offers what is called "home co-investment." No Unison mortgages or loans are offered. Instead, Unison invests in your home and gives you the cash value of the investment.

Unison Home Equity Services

Unison gives you the freedom to choose what to do with your home's value without borrowing against the house itself. Instead of thinking of it as a loan, think of it this way — this is an opportunity to use some of the value of your home for whatever you need, whether it's renovating, investing in a new business, or paying some medical bills.

Cash Payments

After being approved, you receive one lump cash payment.

When you sell your home or 30 years pass, your agreement with Unison ends. And whenever you sell your home, Unison gets their percentage invested paid to them from the sale proceeds, based on the fair market value of your home.

The Advantages and Limitations of Unison

You Get Cash

You can finance whatever life event you want without going further into debt.

The Ability to Renovate Your Home to Increase Its Value

You can turn around and use the cash from Unison to renovate your home. This bumps up its value and is very helpful when looking to sell.

The Cash Amount You Receive Has a Limit

Unison invests up to 17.5% of your home's value (or $500K).

Part of the Home Sale Goes Back to Unison

When the home sells, return on investment comes from a share in the change in the value of your home. That includes an increase in the home's value.

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