How does Unison compare to Point?
Point offers a Home Equity Investment (HEI), while Unison offers an Equity Sharing Agreement (ESA). Both start an agreement by establishing your home's value with an appraisal and a risk adjustment.
Unison's risk adjustment is just 5%, while as of August 2026, Point's typical risk adjustment is 27%.1 This significantly changes how Point calculates your home's value. It means that there would be a significant and immediate “growth” to share in from Day 1, and that your home would need to depreciate by 27% before Point shared in any real downside.
Unison also offers Remodeling Adjustments (also called a Capital Improvement Adjustment), which can reduce what you pay back if your renovation projects help boost your home's value. Point doesn't offer any renovation adjustment2, so even if you're the one boosting your home's value, they'll still get to share in it.
Explore the full comparison to understand the differences between equity sharing with Unison and Point.
Note: This comparison is based on publicly available information as of September 14, 2026 and is for informational purposes only. Verify current terms directly with each provider.
1 https://point.com/hei/how-hei-works#cost-estimator
2 https://help.point.com/article/886-can-i-remodel-the-home-at-any-time