Fund your dream remodel with no new monthly payments
Unison converts up to $500k of your home equity into cash you can use to upgrade your kitchen, add a bathroom, or fix your roof. No new monthly payments for up to 30 years; instead, we share in your home's future change in value when you sell your home or settle the agreement.
Renovating with a loan adds a payment right away
You want to upgrade or improve your home, but taking out a HELOC or home equity loan means taking on a new monthly bill at today's high interest rates.
An Equity Sharing Agreement is different. You get the cash you need to remodel with zero monthly payments and a timeline with actual breathing room. Stay in your home, enjoy your upgrades, and when you're ready to sell or end the agreement (up to 30 years), you'll return the original funds plus or minus Unison's share of how your home's value has changed.
With Unison, keep 100% of the home value you create
Our Capital Improvement Adjustment (also called a Remodeling Adjustment) is one of the most important features to keep in mind if you’re planning home improvements.
Here's how it works:
- Carry out your renovations with licensed contractors and fully document every project
- When ending your Unison agreement (as long as the agreement has been in place for at least three years), you can request a Capital Improvement Adjustment
- An independent appraiser will determine how much value your improvements added to your home (important: this is NOT the same as what they cost)
- That amount will be subtracted from your home’s ending value, reducing the total change in value shared with Unison.
Many home equity investment (HEI) companies do not offer adjustments like this. Instead, they take a share of the value your improvements help build, no matter what.
The Unison difference
See how an Equity Sharing Agreement compares to the other ways to fund a renovation.
Terms subject to change. This comparison is based on publicly available information as of August 2026 and is for informational purposes only. Verify current terms directly with each provider.
Access your equity
Trade a portion of your home equity for cash to put toward a home renovation, or anything else you'd like.
Live your life
Create years of memories in your home, without monthly loan payments. Unison is your partner, here when you need us.
Share the appreciation
With the sale proceeds, you'll pay Unison the original investment plus or minus a portion of your home’s change in value.
They say it best
Over 17,000 homeowners have unlocked their equity with Unison. Here's what our favorite remodelers on TrustPilot had to say.
Frequently asked questions
If you own equity in your home, consider whether an investment from Unison is right for you.
Will Unison share in the value added by my home improvements?
We believe that if you make improvements that boost your home’s value (beyond regular maintenance), you should keep all the benefits. That’s why we use a tool called a Remodeling Adjustment.
To qualify for a Remodeling Adjustment, you need to work with licensed contractors and fully document the project. We then use an independent appraiser to determine how the work changed the value of your home, making sure you receive full benefits. Keep in mind that some renovations add more value than others and some don’t add any new value at all. Whenever you are thinking about a project it is always a good first step to reach out to our team. It’s important to note that the Remodeling Adjustment doesn’t apply if you end the agreement in the first three years.
What happens to the equity I'm building with every mortgage payment?
The home equity built with every monthly mortgage payment belongs entirely to you. Unison only shares in the future change of your home’s market value.
For example, if the Original Agreed Value of your home is $500,000 and you sell it ten years later for $600,000, we'll only share in a percentage of that $100,000 growth in value. All the additional equity you've earned by paying down your mortgage debt is 100% yours to keep.
Does Unison share in the downside if my home loses value?
Yes. Unison is not a loan; we are invested in your home alongside you, so we win and lose together. Though such cases are not common, with significant decline in your home’s value–something neither of us are looking for!–it is possible that the value of the agreement, and your ending amount due to Unison, would be $0. It’s this feature along with the absence of any monthly payments that distinguishes an equity sharing agreement from a loan.
So, what's the catch?
The honest answer: If your home gains a lot of value during the agreement, Unison's share of that growth can exceed the total interest you might have paid on a loan. That's the trade-off. Cash now with zero payments for up to 30 years in exchange for a slice of the unknown future growth in your home's value. If your home doesn’t appreciate that much, or even loses value, equity sharing can be a significantly more affordable way to access the wealth in your home.
How to get started
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.
Receive your cash
Your funds will be delivered and ready to use however you like, with no limitations or restrictions.
Fund your remodeling plans now, not someday
Get your free estimate in about 2 minutes — with no impact on your credit score and no obligation.
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