Get cash from your home on terms that fit your life
Tap into your home's value for immediate cash. Choose the plan that fits you best. No monthly payments or a low monthly payment.
(It takes 2 minutes and won’t impact your credit)
Pay off debt
Save money each month by reducing your high-interest debt to a single, lower payment—or even no payment at all.
The Unison difference
Traditionally, accessing the cash value in your home without selling meant taking out a loan with high interest rates and expensive monthly payments.
Unison offers another way by investing alongside you, providing cash today in exchange for a percentage of your home's future growth in value.
Solutions for every homeowner
Unlock up to $500k from the value of your home
Stay in your home without refinancing your primary mortgage
Use the funds however you need, no restrictions.
End your agreement whenever it suits you, without penalty
Since 2006, Unison has helped 12,000+ homeowners unlock their home equity
“Great experience - Everything went smoothly and I received the funds way sooner than expected.”
Bob K.Phoenix, AZ
Start your journey today
* The 10 day funding timeline for the Equity Sharing Agreement assumes closing the agreement with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing. Other terms and conditions apply. Please contact our Home Equity Consultants for further details.
Unison offers two ways to unlock your home’s equity:
Equity Sharing Agreement – Get cash today with no monthly payments and no interest. Repayment (including a share of your home’s future change in value) is due when you sell, refinance, or at the end of the agreed term.
Equity Sharing Home Loan – A home equity loan with low, interest-only monthly payments and a fixed, below-market rate in exchange for a share in your home's future growth in value.
Both options let you keep full ownership and control of your home. You can sell, refinance, or buy Unison out at any time with no prepayment penalty. All offers are subject to credit, income, property, and underwriting approval. The amount you can access, exact terms, and any shared-appreciation percentage vary based on your situation and home value. Past appreciation you’ve already earned is always 100 % yours—Unison only shares in future change in value (positive or negative) after the agreement starts. Programs are not available in all states. For complete details, current rates, and eligibility, contact a Unison home equity specialist.