In today's dynamic financial landscape, homeowners have more options than ever to access their home's equity. While traditional home equity loans have been the go-to solution for decades, Unison's innovative Equity Sharing Home Loan is transforming how homeowners can leverage their property's value to achieve their financial goals.
Traditional Home Equity Loans: The Old Way
Traditional home equity loans offer a straightforward but rigid approach:
- Borrow against your equity with a lump sum payment
- Fixed monthly payments including principal and interest
- Standard interest rates based on market conditions
- Your home serves as collateral
While this conventional approach has served homeowners for years, today's financial landscape demands more innovative, flexible solutions.
Unison's Revolutionary Partnership Approach
Unison's Equity Sharing Home Loan represents a paradigm shift in home financing, offering a partnership model that aligns with modern homeowners' needs:
Innovative Financial Structure
- Interest-Only Payments: Dramatically lower monthly obligations with partially-deferred interest
- 10-Year Term: Extended timeline for achieving your financial goals
- Flexible Payment Options: No prepayment penalties
Unique Partnership Benefits
- Home Improvement Value Recognition: Eligible for property improvements credit
- Capped Returns: Predictable sharing structure for peace of mind
- Aligned Interests: Unison succeeds only when you succeed
Enhanced Financial Freedom
- Understand your credit profile and debt-to-income ratio
- Plan for the future with the balloon payment in mind
- Consider potential home improvements that could add value
- Think long-term about your property's appreciation potential