Know your worth. Borrow smarter.
How it works
Accessing cash from your home equity doesn't have to come with an expensive monthly payment. Let the future growth in your home's value take some pressure off your budget.
By sharing in a portion of your home's future increase in value at the end of the loan, Unison is able to offer a low, fixed rate and interest-only payments for 10 years.
Access your equity
Use the wealth in your home however you want, from funding a renovation to paying down higher-interest debt.
Breathe a bit easier
Enjoy the relief of interest-only monthly payments for the life of the loan. Any extra payments will further reduce this expense.
Share the appreciation
After 10 years, or sooner if you wish, return the remaining loan balance, plus a fraction of any growth in your home’s value.
How much lower could your monthly payments could be?
The Unison monthly payment estimate is interest-only and assumes a well-qualified applicant. Principal and shared appreciation are due at termination and could raise the total cost of the loan, depending on your home's change in value.
Over 17,000 people have unlocked their home equity with Unison
Here's what you need to know
Not all loans are created equal.
The Unison Equity Sharing Home Loan (ESHL) offers one of the lowest interest rates in the industry because of our unique equity sharing model.
If you have equity in your home and are looking a loan with a low monthly payment, the Unison ESHL is right for you.
Why should I opt for the Equity Sharing Home Loan over other home equity products?
The Equity Sharing Home Loan offers a below market interest rate, low monthly payments, and a 10-year term. It's a cost-effective alternative to traditional closed end home equity loans and HELOCs.
How are the monthly payments with the Equity Sharing Home Loan so low?
In addition to offering below-market interest rates enabled by shared appreciation, the monthly payments on the Equity Sharing Home Loan are made even more affordable because the payments are interest-only.
Can I prepay or end the Equity Sharing Home Loan early?
Unison’s Equity Sharing Agreement term is up to 30 years. You can buy us out or sell your home at any time. Terms range from 10 years to 30 years industry-wide.You can prepay at any time without penalty. If you go this route, you can prepay the interest and principal, and then when they are both paid in their entirety, the shared appreciation interest is due and will be calculated.
How is the shared appreciation impacted if I make home improvements?
We believe that if you make improvements to your home that boost its value (beyond regular maintenance), you should get all the benefits. That’s why we use a feature called a Capital Improvement Adjustment.
To qualify for a Capital Improvement Adjustment, you need to work with licensed contractors and fully document the project. Remember to save before and after photos of each renovation. We then use an independent third-party appraiser to determine how the work changed the value of your home, making sure you receive the benefits. Keep in mind that some renovations add more value than others, and some don’t add any new value at all. In addition, the Capital Improvement Adjustment is not available within the first three years of your loan term. Whenever you are thinking about a project it is always a good first step to reach out to our team.
Next steps
Get your estimate
Discover how much equity you can unlock. Get a free quote in minutes with no impact to your credit.
Submit your application
Fill out a quick and easy application or work with one of our home equity specialists to see if we’re a good fit.
Appraise your home
We'll work with you to schedule an independent appraisal to assess your home’s fair market value.
Unlock your equity
Decide how much cash you want to receive and get your funds as quickly as possible.
Discover if you prequalify
Access up to $400k from your home equity with a low monthly payment.
Not available in all states. Still have questions? Give our home equity specialists a call at 855-864-7664.