Blog

2026 Re-Fi Reality Check: Why Many Homeowners Are Skipping the Cash-Out Refinance

This approach worked particularly well during a time when mortgage rates fell sharply year after year. It allowed homeowners to refinance into much lower monthly payments, while also pulling cash out of their home’s equity.

Renovations & Remodeling

How Much Should I Budget for Renovations and Repairs Over the Lifetime of a Home?

Owning a home takes more than just paying your mortgage. It’s also about keeping up with repairs, maintenance, and the occasional renovation to keep your property safe, efficient, and enjoyable. But how much should you actually budget for all of that, especially over decades of ownership?

Financial Health

Top 5 Myths About Owning Your Own Business

Many would-be entrepreneurs talk themselves out of it before they even begin, thanks to a handful of persistent myths. But the truth is, owning a business is possible. And while it takes some serious work, it’s not reserved for the ultra-rich, ultra-connected, or ultra-lucky.

rundown house as an example of buying a home as-is

Homeownership

How Bad Is It To Buy A Home “As-Is”?

The phrase “as-is” shows up often in real estate listings, and it tends to raise eyebrows. For some buyers, it feels like an opportunity – a chance to get a deal on a property that others might overlook. For others, it sounds like a trap.

Home Equity

Equity Sharing in Nevada: A Practical Guide for Las Vegas Homeowners

If you’re a homeowner in the Las Vegas area, you’ve likely seen your home’s value fluctuate over the years — sometimes quickly, sometimes unpredictably. Many homeowners have built meaningful equity by holding on through those cycles, improving their homes steadily, and staying rooted while the city evolved.

People looking at laptop with the current home interest rates on it.

Financial Health

What Is the Fed — and Who Controls Interest Rates?

This isn’t just Econ 101 homework. There are real life impacts at play! If you have a credit card, savings account, mortgage, or loan, understanding how the Fed works can help you make smarter real-life money moves – even in a shifting market.

Home Equity

The Homeowner’s Guide to Equity Sharing with Unison, Part 6: How The Agreement Ends

Learn about the four ways a Unison Equity Sharing Agreement can end, including selling your home or choosing a buyout.

Home Equity

The Homeowner’s Guide to Equity Sharing with Unison, Part 5: Your Responsibilities

Learn about your roles in an Equity Sharing Agreement. We help you keep your home safe while you access your cash.

Home Equity

The Homeowner’s Guide to Equity Sharing with Unison, Part 4: Renovation Perks

Learn how you can keep the value from your home improvements. We explain the Remodeling Adjustment in our Equity Sharing Agreement.

Home Equity

The Homeowner’s Guide to Equity Sharing with Unison, Part 3: How We Share Value

Learn how we share in the ups and downs of your home's value. Discover how an Equity Sharing Agreement works when it is time to sell or finish your term.

Home Equity

The Homeowner’s Guide to Equity Sharing with Unison, Part 2: Establishing Value

Learn how Unison determines your home’s value through OAV and EAV. Our guide covers appraisals, risk adjustments, and closing fees for equity sharing.

homeowners getting guidance about unison's equity sharing agreement.

Home Equity

The Homeowner’s Guide to Equity Sharing with Unison, Part 1: The Basics

Learn how a Equity Sharing Agreement can help you access home value without monthly payments or interest. Discover a new way to fund your life goals.