How Unison HomeOwner Works - Debt-Free Home Equity Sharing

Sale price	Change in value	Unison's share Unison’s share of the change in value. The larger the investment, the greater Unison’s percentage share when the home is sold. The smaller the investment, the smaller our percentage share. 40%	Payment to Unison	Your payout
$850,000	+ $100,000	+ $40,000	$115,000 Payment to Unison if home’s value increases. Unison shares in the increase, getting back more than we originally invested and earning a profit.	$735,000
$750,000	$0	$0	$75,000 Payment to Unison if home’s value does not change. Unison receives our initial investment back and nothing more.	$675,000
$650,000	- $100,000	- $40,000	$35,000 Payment to Unison if home’s value decreases. Unison shares the decrease, receiving back less than we originally invested and incurring a loss. As co-investors, we only win when you do.	$675,000

Sale price

Change in value

Unison's share

Payment to Unison

Your payout

$850,000

$100,000

$40,000

$115,000

$735,000

$750,000

$75,000

$675,000

$650,000

$100,000

$40,000

$35,000

$675,000

4 simple steps
to unlocking your equity

See if Unison is a fit for you.

See if you and your home qualify by getting pre-approved. It takes seconds and doesn’t affect your credit.

Complete an application.

Once you’re pre-approved, you can fill out a complete application at unison.com or by giving us a call.

Schedule an appraisal.

When your application is approved, we’ll work with you to inspect the property and set up an appraisal.

Dot the line.

Sign your offer letter and closing package. Funds will be distributed in as few as 3 days.

Still have questions?

Find more answers

: The short answer is that there is no catch. Unison gives you access to your equity with the freedom and flexibility to live without monthly payments because we invest in your home.

These funds come from institutional investors (think pension funds and university endowments) who want to make long-term investments in homes across the U.S. Both you and Unison benefit if the home increases in value, and we both take the loss if the home decreases in value. We see this as a win-win situation for both you and Unison.
: Founded in 2004, Unison has an A+ rating with the Better Business Bureau and we’ve been featured in New York Times, Forbes, Bloomberg and other publications. To date, we have helped people from California to Massachusetts as we continue to change the way people buy and own homes. Check out a few of our testimonials to learn more.

It’s important to us that our customers make the best decision for them and their family, so we are committed to answering any and all questions throughout this process.
: Prior to partnering with you, we evaluate your credit, income and property, all of which can be done without any financial obligation to you or impact to your credit.

We will also need to evaluate your home prior to partnering with you. Usually, the home needs to be your primary residence and must meet several other criteria for us to invest.
: You can use the funds provided by Unison for up to 30 years. After 30 years, you will need to either sell your home or buy us out.

To buy us out, you would need to pay back an amount equal to our original investment plus or minus our share of your home’s change in value. We use an independent third-party appraisal to determine the fair market value of your property at the time.

In some cases, after 30 years it might be possible to refinance your home and use the proceeds to buy out Unison’s investment. However, there is no guarantee that this option will be available.
: You own the home! You control the property and receive the benefits of home ownership, such as occupancy rights and income tax deductions.

Unison is not an owner and has no rights of occupancy. We only share a portion of the future change in value of the home, as an investor.

How it works for a HomeOwner

How much equity can I unlock?

Choose what works for you.

How can I spend the cash I receive?

Your money is yours to spend.

What happens when I sell?

We share in the ups (and downs).

How much cash do you need today?

Unison’s share of the change in value.

Payment to Unison if home’s value increases.

Payment to Unison if home’s value does not change.

Payment to Unison if home’s value decreases.

4 simple steps
to unlocking your equity

Still have questions?

What’s the catch?

How do I know I can trust Unison?

How do I qualify for Unison?

What happens at the end of the agreement?

If I partner with Unison, who owns the home?

How it works for a HomeOwner

How much equity can I unlock?

Choose what works for you.

How can I spend the cash I receive?

Your money is yours to spend.

What happens when I sell?

We share in the ups (and downs).

How much cash do you need today?

Unison’s share of the change in value.

Payment to Unison if home’s value increases.

Payment to Unison if home’s value does not change.

Payment to Unison if home’s value decreases.

4 simple steps to unlocking your equity

Still have questions?

What’s the catch?

How do I know I can trust Unison?

How do I qualify for Unison?

What happens at the end of the agreement?

If I partner with Unison, who owns the home?

4 simple steps
to unlocking your equity