For a limited time, we'll cover your appraisal fee.*
The smarter way to access your home equity
Pay a fraction of what other lenders charge each month1 with an APR as low as 5.505%.2
(It’s quick and won’t affect your credit score)
Reduce Your Financial Burden
Refinance your monthly payments into a fraction of what the traditional loan requires. Streamline debt and improve your cash flow.
Introducing The Equity Sharing Home Loan

This is not your ordinary second mortgage. By sharing a percentage of your home's future growth in value, we're able to offer a below-market rate and the option to pay just a portion of the interest accrued each month.2

The original loan amount, any deferred interest, and our share of the home's rise in value won't be due until you sell or the loan matures in 10 years.

That means your monthly payments stay low, giving you the space to achieve your financial goals.

Our Loan Features
  • Access up to $400,000 for a fraction the monthly payment.1
  • Leverage your home equity for an industry-leading low rate.
  • Flexible funding for renovations, debt, or retirement.
  • No prepayment penalty for early payoff.

Want to learn more? Check out our frequently asked questions.

A 10-year, interest-only
home equity loan that works for you.
How to Discover Your Low Payment
  1. 1Get a Payment Estimate
  2. 2Submit Your Application
  3. 3Get Approved
  4. 4Appraise Your Home
  5. 5Receive Your Funds
Get started with Unison Equity Sharing Home Loan
“Great experience - Everything went smoothly and I received the funds way sooner than expected.”
Bob K.Phoenix, AZ
Lower Monthly Payments
Refinance your payments, cut them in half, and enjoy your savings.
No Prepayment Penalties
Pay off your loan whenever it suits you, without added fees.
Shared Appreciation Model
Your success is our success—keeping your payments low while sharing future home appreciation.
Flexible Use of Funds
Renovate, consolidate debt, or plan your retirement with peace of mind.
Start your journey today
  1. This offer is available through 6/30/2025. Appraisal fees vary from state to state. Terms and conditions apply. Please contact our loan specialists for further details.
  2. Comparative estimated monthly payments are based on an internal analysis and review through May 2025 of interest rates from 3 other leading second-lien home equity loan providers, which are averaged and applied to a 10-year amortized mortgage loan term.
  3. The example 5.050% interest rate (5.505% APR) is based on a $100,000 loan amount with a 10-year term and assumes an 800+ credit score, a 50% combined loan-to-value (CLTV) ratio, and a 40% debt-to-income (DTI) ratio. This rate is current as of 6/28/2025 and subject to change. The APR includes interest and estimated closing fees but excludes shared appreciation costs, which requires sharing a portion of your home's value increase when you sell or at loan maturity. The minimum monthly payment is 75% of the monthly accrued interest (starting at $315.67 in this example). The remaining 25% ($105.22) may be deferred, increasing the principal loan balance (negative amortization). No penalty applies to additional payments. At termination, any remaining principal, deferred interest, and the shared appreciation component is due in a lump-sum balloon payment. Your actual terms will vary based on your credit, income, loan amount, and market conditions. See our frequently asked questions for more details.