Blog

What is LTV?

LTV, or Loan-to-Value ratio, is a key metric used by lenders when assessing the risk of a loan, particularly mortgages. It essentially compares the amount of the loan to the appraised value of the property being financed.

Homeownership

Summer Home Maintenance: This Season's Steps to Protect Your Best Investment

Summer brings sunshine, long days, and of course – the perfect opportunity to take care of your home! Warm weather is great for relaxing, it’s also ideal for tackling key maintenance tasks that help preserve your home’s value and prevent costly repairs.

Home Equity

More Than Just Payments: How Your Home Equity Grows

Buying a home is one of the biggest financial decisions you'll ever make. Your monthly mortgage payment may seem like just another bill, but behind the scenes, you're steadily building something far more valuable: equity.

Financial Health

10 Commonly Overlooked Tax Breaks and Deductions You Might Be Missing

When it comes to filing your taxes, missing out on valuable deductions and credits can mean leaving money on the table. Some tax breaks are easy to overlook! They may be less well-known or hidden deep within the fine print.

Financial Health

What Are Property Taxes For? How They Work and Why They Matter

When you buy a home, you’re not just investing in the property itself. You’re also committing to paying property taxes, which can feel like an extra burden. But property taxes serve an important purpose in supporting the communities we live in.

Financial Health

What Is DTI? Understanding Your Debt-to-Income Ratio

Debt-to-Income Ratio (DTI) is one of the most important numbers lenders look at when evaluating your ability to repay a loan. Understanding your DTI can help you prepare and potentially qualify for better terms.

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.