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About Unison

Founded in 2004, Unison offers equity sharing agreements (ESAs) to homeowners who wish to cash in on up to 17.5% of their home equity. In exchange, Unison will share in your home’s future change in value, up or down. While Unison does not charge an interest rate or monthly payment, you will pay a 3% transaction fee, appraisal fee and settlement cost.

Pros & Cons


  • No monthly payment or interest charged
  • 30-year term


  • Not available in all states
  • Additional fees

Bottom Line

Unison offers an alternative to refinances and HELOCs with home equity sharing. Homeowners can access up to $500,000 of their home’s value without having to make monthly payments or getting charged interest.


Unison does not charge interest, so you don’t have to worry directly about mortgage rates.

Your Unison agreement is good for 30 years, at which point you will need to sell or buy back your portion from Unison. At any time, you are able to sell your home, but if it is within the first five years of the agreement, Unison will not share in any loss in value your home might have. After five years of the agreement, Unison will share the loss of value, and you are able to sell or buy back your portion at any time.

Application process

Unison’s application process is completely online and is not as demanding as going through the mortgage process. When you submit the application, the company will perform a soft pull on your credit to see if you qualify. Unison will never do a hard inquiry on your credit; instead, it continues doing soft inquiries throughout your agreement to ensure you meet credit standards.

Once your application is approved, you will receive an independent appraisal. Based on this appraisal, Unison will then apply a 5% risk adjustment. This means if your home appraises for $400,000, Unison will adjust it to $380,000 as the original agreed value.

You still own your home, but Unison will place a lien on your property. You will not be able to legally sell it without complying with Unison’s agreement. Additionally, Unison can dictate certain terms; for example, in most cases, you will not be able to turn your home into a rental property while Unison still has the lien.

Carol, a ConsumerAffairs reviewer from Charleston, South Carolina, had this to say about their experience with Unison: "Can’t say enough good things about how responsive, kind, patient and knowledgeable my customer service rep was. … Now, my life, home and credit score have dramatically improved. I’m out of debt, my badly deteriorating home is good as new, and my daughter’s wedding paid for!"

Loan types

Unison specializes in one product – home equity sharing agreements. Depending on your credit score and how much equity you have available, you can cash in on up to 17.5% of your equity. In exchange, you allow Unison to have a portion of your proceeds on the future value of your home – which could be a win or loss for them depending on market conditions.


Home equity sharing agreements are an alternative to refinancing. Unlike refinancing, entering an ESA does not change your interest rate or your monthly payment. When you refinance your home, you can see your monthly payment go up or down, depending on your new interest rate and how much equity you convert to cash.


Applicants need a FICO score of at least 620. Your credit score will determine your loan-to-value (LTV) requirement. Applicants with excellent credit can have a maximum LTV ratio of 70%.

Unison primarily invests in owner-occupied homes, meaning you live in your home at least 180 days out of the year and are not gone from your home for more than 60 consecutive days. Unison may sometimes invest in rental properties, but the terms may differ; you should contact Unison for more details. It is also recommended that you plan to stay in your home at least five years after the agreement, since Unison will not share in any loss of your home value if you sell your home within the first five years of the agreement. You can buy out your agreement at any time, but Unison will not share in any loss.

Signing up for a Unison agreement when you have more house than you can afford will not fix your financial situation.

Costs and fees

Upfront, Unison allows borrowers to access 17.5% of their equity without any monthly fees or interest. However, the process is not without fees. Expect to pay a 3% transaction fee based on the investment amount you receive, appraisal costs and settlement costs. Appraisal costs generally range from $450 to $1,250, and settlement costs range from $700 to $1,750. If you end up not using Unison, you will not be charged any fees.

When considering if a home equity sharing agreement is the right choice for you, compare it with the closing costs and APR of a cash-out refinance, home equity loan or home equity line of credit (HELOC).


What is Unison?

Unison is a real estate investment company that allows homeowners to convert up to 17.5% of their equity into cash in exchange for a portion of a home’s future change in value.

Is Unison legit?

Unison is a legitimate business founded in 2004 and based in San Francisco, California, and Omaha, Nebraska.

Where is Unison available?

Unison is available in 29 states and Washington, D.C. Unison is unavailable in Alaska, Alabama, Arkansas, Connecticut, Georgia, Hawaii, Idaho, Iowa, Louisiana, Maine, Maryland, Mississippi, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota, Texas, Vermont, West Virginia and Wyoming.

Unison Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: April 1, 2023

Unison representatives start by telling you how great their program is. When you try and buy yourself out they give you the run around, block your emails, and charge you more than double what they gave.

Unison response

Hi Dawn,

Thank you for your honest feedback. We apologize to hear about the frustrating experience you had with us when trying to buy out your Unison Agreement–we take all feedback and suggestions seriously. I sent you a direct message to find out more details about how we can further assist you.

Talk soon,

The Unison Team

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    Verified Reviewer
    Original review: Nov. 30, 2022

    Anonymous. Would not recommend. Very slow to communicate, and they denied my application despite perfect credit because they said the appraisal “was too high”. The appraisal was actually undervaluing the property as is common with appraisers being conservative. I offered to provide comps but they failed to respond to multiple emails. Bottom line is that Unison is going to turn down your application unless the appraisal is a joke -- i.e. unless it's an absolutely terrible deal for the homeowner. This company should be investigated.

    Unison response

    Hi Islam,

    Thank you for taking the time to leave a review; we value your feedback. To see a more detailed response to your concerns, please refer to our response on the other platform you left a comment on.

    Best wishes,

    The Unison Team

    8 people found this review helpful
    Verified Reviewer
    Original review: Sept. 9, 2022

    I live in a million dollar house in an upscale community and was approved four months ago by Unison to tap into my home equity. I was promised the amount, got my home appraised and signed all the papers, in person, and now am told by the company that they've run out of money. "Market conditions" is their excuse. Their "communicators" who you can only reach by email because they refuse to answer their phones, are constantly posting "out of office" notices. The scam has wasted four months and many hours of my time with needless delays and excuses.

    Unison response

    Hi Bette,

    Thank you for sharing your feedback. We apologize for the understandably frustrating experience you had with us. We understand how important it is for homeowners to receive their investments in a timely manner; unfortunately last summer there were some factors outside of our control that caused unprecedented delays. Please feel free to email us at together@unison.com if there is anything we can help with or if you would like to continue the conversation.

    Thank you,

    The Unison Team

    16 people found this review helpful
    Verified Reviewer
    Original review: July 3, 2022

    The help and individual attention I received from Unison was truly terrific! Can’t say enough good things about how responsive, kind, patient & knowledgeable my customer service rep was. He definitely inspired confidence and trust. Now, my life, home and credit score have dramatically improved. I’m out of debt, my badly deteriorating home is good as new, and my daughter’s wedding paid for! All due to Unison. Again, I couldn’t be happier and will remain ever grateful!

    Unison response

    Hi Carol,

    Wow! Thank you so much for sharing your story with us. We’re happy to hear that you were able to utilize the benefits that Unison offers. Please reach out to us anytime if there’s anything we can do to help–we are in this together.

    Best wishes,

    The Unison Team

    8 people found this review helpful
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