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Access Debt-Free Home Equity
Unison can help you leverage the equity in your home to unlock financial success without accumulating extra debt.


What is Unison?

Headquartered in San Francisco, Unison offers co-investments to homeowners who seek unique funding solutions. Their innovative team of real estate and financial professionals can help you leverage home equity to unlock financial success without accumulating extra debt. 

How Does Unison Work?

Unison converts a portion of your home equity into cash and disburses it directly to you. This arrangement, referred to as a home co-investment, is not a loan. You won’t make any monthly payments or accrue any interest, and only pay Unison when you sell your home, reach the 30-year maximum term, default on your agreement, or when the last homeowner on the agreement passes away. You also have the option to buy Unison out of the agreement after 5 years. 

When the agreement ends, you will pay Unison an amount equal to the co-investment plus Unison’s share of the home’s change in value. An independent third-party appraisal or sales price determines this figure. 

Don’t want to sell or buy Unison out? At the 30-year mark, you may have the option to refinance your home and use a portion of the loan proceeds to pay Unison. However, that option may not always be available and you may need to sell the home. 

The Differences Between Unison and Home Equity Loans

When you take out a home equity loan, you receive a lump sum that’s repayable over an extended term in equal monthly installments. But with Unison, you can use the funds without payment until the agreement ends—usually when you sell your home or reach the end of the 30-year term.

Is Unison the Same as a Reverse Mortgage?

No, reverse mortgages are a type of debt. Reverse mortgages are available to homeowners with equity who are at least 62 years of age. They permit you to receive your home’s equity as a lump sum, line of credit, or fixed monthly payment. Payments are not required on the loan until you sell your property or pass away, and the interest rates are either variable or fixed. 

By contrast, Unison is not debt. It does not have age restrictions, and there are no monthly principal and interest payments. You have up to 30 years to sell your home or  buy Unison out without selling, and Unison shares in any increase in your home’s value. Unison will also share in the loss if you sell your home after 5 years. 

Is Unison a Legitimate Company for Homeowners?

Unison has been in business for over 16 years. They’re well-versed co-investors, boast an impressive roster of over 8,000 satisfied homeowners, and hold an A+ rating with the Better Business Bureau. 

The Benefits of Unison

Unison offers a plethora of benefits to homeowners:

  • Tap into a sizable amount of your home’s equity 
  • No monthly payments
  • No debt or interest 
  • Use the funds however you see fit 

What Unison Offers to Homeowners with Home Equity

If you have a sizable amount of equity in your home, Unison can help you access these funds to pay off debt, renovate your home, or use the money to suit your needs.

Pay Off Debts

Use the equity in your home to unlock financial freedom. Whether you’re burdened by student loans, medical bills, or high-interest credit card debt, a co-investment would allow you to pay off those debts with cash, rather than adding more debt or payments to the pile. 

Renovate Your Home

Instead of taking out a home equity loan or line of credit (HELOC) to fund your home improvements, you can access up to 17.5 percent of your home’s value with Unison. You won’t be stuck making payments for an extended period, so you can focus on completing your renovations and enjoying the new look and feel of your upgraded space, while also directly contributing to an increase in your home’s value.

How to Unlock Your Home Equity with Unison

Unison makes it easy to unlock the equity in your home. Follow these simple steps, and you could be on your way to getting the cash you’ve potentially been paying into for years.

Step 1. Get Pre-Qualified with Unison

To qualify for Unison HomeOwner, you’ll need a middle FICO score of 650 or higher. The required debt-to-income (DTI) and loan-to-value (LTV) ratios will depend on your credit score. Generally, the higher your credit score, the higher the allowable DTI and LTV, but the LTV limit is 75 percent. 

If you meet the minimum qualification criteria, complete the brief questionnaire to determine if Unison is a suitable option for you. Unfortunately, Unison is not available in all states. The good news is they’re working hard behind the scenes to expand their offerings, so be sure to check their website for updates.

(Quick note: Unison HomeOwner is available to consumers in Arizona, California, Colorado, Delaware, Florida, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, Washington D.C., and Wisconsin.)

Step 2. Complete a Full Application

If you’re pre-qualified, submit the online application. You can also call the toll-free number to get started.

Step 3. Schedule an Appraisal With the Unison Team

Upon credit approval, a member of the Unison team will contact you to schedule an appraisal of your home. 

Step 4. Get Your Funds

The final step in the process is to review your offer letter and closing package. If everything checks out, sign on the dotted line and receive your funds in as little as three days. 

Be mindful that the entire process, from application to funding, takes about 30 days. Also, know that delays may occur if additional time is needed to get an appraisal.

FAQs About Unison Home Equity for Homeowners (4)

  • How much home equity can you unlock?

    Co-investments from Unison are limited to 17.5 percent of your home’s value. They range from $30,000 to $500,000, but very few homeowners receive the maximum amount.

  • How can you spend the cash you receive?

    You can use the funds to pay off debts, fund your dream vacations, complete home renovations, start a business, or any other way you see fit.

  • What happens at the end of your agreement term with Unison?

    When you sell your home, Unison will receive proceeds equivalent to their share of the home’s change in value plus the amount of the co-investment. Before you execute the transaction, Unison will need a copy of the purchase agreement, inspections, appraisals, and any other applicable documents. Keep in mind that co-investments are designed to be long-term arrangements. Therefore, Unison will not share in any loss in value if you sell in the first five years and incur a loss. Unison’s loss is limited to the amount of the original home co-investment.

  • Will you keep ownership of your home?

    Yes, you will maintain ownership of your home and continue to receive income tax deductions, occupancy rights, and all the other benefits associated with homeownership.


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Unison Products and Services

Home Equity
Home Equity

Unison HomeOwner

Convert up to 17.5% of your home’s value into cash through a co-investment (up to a maximum of $500,000) with no monthly payments or interest, and use the funds to spend how you see fit.

Learn more

Why Us

Streamlined Application Process

Unison’s streamlined application process makes it easy to get the cash you need. In just four simple steps, you can go from pre-approved to funded. You can get started online or by phone.

Renovate your Home or Pay Off Debt

A co-investment from Unison means you’ll get cash in hand in exchange for a share of your home’s change in value. You'll never have to worry about a monthly principal or interest payments.

Timely Funding

From application to funding takes about 30 days. So, you won’t have to wait long to pay off debt, renovate your home, or finance a big-ticket purchase.


Unison Home Equity


Tap Into Your Home’s Equity to Get Cash Today

Unison Home Equity
Consider a co-investment from Unison to convert your home’s equity into cash. Unlike home equity loans and HELOCs, there are no burdensome monthly payments, and you won’t spend a lifetime accruing interest. Instead, Unison shares in the home’s change in value over time. Give Unison a call today to learn more about how they can help you!

Access Debt-Free Home Equity

Learn how Unison can help you leverage the equity in your home to unlock financial success without accumulating extra debt.

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