How it works for a HomeOwner

Still have questions?

What’s the catch?

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.

How do I know I can trust 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.

How do I qualify for Unison?

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.

What happens at the end of the agreement?

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.

If I partner with Unison, who owns the home?

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.