# Frequently Asked Questions

## How does Unison store and protect my information?

We take the security and safety of our customers’ personal and confidential information very seriously. We want to do what we can to help you guard against any disclosure of personal or financial information that could lead to the unauthorized use of your account or to identity theft. Consistent with industry standards, we have implemented security policies to protect and safeguard the personal information under our control from unauthorized access, improper use or disclosure, unauthorized modification, unlawful destruction or accidental loss. You can find more information about privacy and security at Unison [here](/content/legal/privacy/index.html).

## What is an Equity Sharing Agreement?

[What is an Equity Sharing Agreement?](/content/faqs/question/esa-overview/index.html)
## How much funding is available?

[How much funding is available?](/content/faqs/question/esa-funding-amount/index.html)
## How long is the term and what happens at the end?

[How long is the term and what happens at the end?](/content/faqs/question/esa-agreement-end/index.html)
## If I partner with Unison, who owns the home?

[If I partner with Unison, who owns the home?](/content/faqs/question/esa-home-ownership/index.html)
## What percentage of the future change in the home’s value will Unison share?

[What percentage of the future change in the home’s value will Unison share?](/content/faqs/question/esa-sharing-percentage/index.html)
## How does Unison secure its interest in the property?

[How does Unison secure its interest in the property?](/content/faqs/question/esa-lien/index.html)
## Does Unison benefit from the equity that is built as I pay down my mortgage?

[Does Unison benefit from the equity that is built as I pay down my mortgage?](/content/faqs/question/esa-mortgage-paydown/index.html)
## What is the Risk Adjustment and how does Unison determine my home’s starting value?

[What is the Risk Adjustment and how does Unison determine my home’s starting value?](/content/faqs/question/esa-risk-adjustment/index.html)
## In which states are Equity Sharing Agreements available?

[In which states are Equity Sharing Agreements available?](/content/faqs/question/esa-available-states/index.html)
## What is the Owner Occupancy Requirement?

[What is the Owner Occupancy Requirement?](/content/faqs/question/esa-occupancy/index.html)
## What kind of properties are eligible?

[What kind of properties are eligible?](/content/faqs/question/esa-property-types/index.html)
## Am I allowed to rent my property in the future?

[Am I allowed to rent my property in the future?](/content/faqs/question/esa-renting/index.html)
## What is the "restriction period"? Can I sell my home at any time?

[What is the "restriction period"? Can I sell my home at any time?](/content/faqs/question/esa-restriction-period/index.html)
## What does Unison need to know in order to determine whether they will invest in my home?

[What does Unison need to know in order to determine whether they will invest in my home?](/content/faqs/question/esa-requirements/index.html)
## Why does Unison require a home appraisal and is it accurate?

[Why does Unison require a home appraisal and is it accurate?](/content/faqs/question/esa-appraisal/index.html)
## What do I need in order to qualify for a Unison equity sharing agreement?

[What do I need in order to qualify for a Unison equity sharing agreement?](/content/faqs/question/esa-qualification/index.html)
## What are the costs associated with Unison?

[What are the costs associated with Unison?](/content/faqs/question/esa-costs/index.html)
## Do you have to check my credit? When does that happen?

[Do you have to check my credit? When does that happen?](/content/faqs/question/esa-credit-check/index.html)
## How does Unison assess my property?

[How does Unison assess my property?](/content/faqs/question/esa-property-assessment/index.html)
## Will Unison share in the value of my home improvements?

[Will Unison share in the value of my home improvements?](/content/faqs/question/esa-home-improvements/index.html)
## What happens if I get behind on home maintenance?

[What happens if I get behind on home maintenance?](/content/faqs/question/esa-maintenance/index.html)
## What happens if there is a foreclosure?

[What happens if there is a foreclosure?](/content/faqs/question/esa-foreclosure/index.html)
## What happens if I can't make my mortgage payments and default?

[What happens if I can't make my mortgage payments and default?](/content/faqs/question/esa-default/index.html)
## How does Unison affect my taxes?

[How does Unison affect my taxes?](/content/faqs/question/esa-taxes/index.html)
## If I choose a Unison equity sharing agreement, can I still refinance in the future?

[If I choose a Unison equity sharing agreement, can I still refinance in the future?](/content/faqs/question/esa-refinancing/index.html)
## What if something happens to me during my agreement?

[What if something happens to me during my agreement?](/content/faqs/question/esa-death/index.html)
## In what situations would Unison not be the right option?

[In what situations would Unison not be the right option?](/content/faqs/question/esa-right-fit/index.html)
## How is Unison's profit or loss calculated upon sale?

[How is Unison's profit or loss calculated upon sale?](/content/faqs/question/esa-profit-calculation/index.html)
## Can I buy out Unison's investment in my home?

[Can I buy out Unison's investment in my home?](/content/faqs/question/esa-buyout/index.html)
## What happens when I decide to sell my home?

[What happens when I decide to sell my home?](/content/faqs/question/esa-selling/index.html)
## Who decides when our partnership ends? Can you force me to sell my house?

[Who decides when our partnership ends? Can you force me to sell my house?](/content/faqs/question/esa-partnership-end/index.html)
## Is it possible I could end up owing Unison back less money at the end than I received at the beginning?

[Is it possible I could end up owing Unison back less money at the end than I received at the beginning?](/content/faqs/question/esa-owing-less/index.html)
## Does Unison share in selling costs?

[Does Unison share in selling costs?](/content/faqs/question/esa-selling-costs/index.html)
## What is a Deferred Maintenance Adjustment?

[What is a Deferred Maintenance Adjustment?](/content/faqs/question/esa-deferred-maintenance/index.html)
## What is the Equity Appreciation Limit and how does that affect my payment to Unison during the Restriction Period?

[What is the Equity Appreciation Limit and how does that affect my payment to Unison during the Restriction Period?](/content/faqs/question/esa-appreciation-limit/index.html)
## Who is Unison?

[Who is Unison?](/content/faqs/question/esa-about-unison/index.html)
## What is Unison’s business model?

[What is Unison’s business model?](/content/faqs/question/esa-business-model/index.html)
## How do I know if I can trust Unison?

[How do I know if I can trust Unison?](/content/faqs/question/esa-trust/index.html)
## Where does Unison’s funding come from? Who are your investors?

[Where does Unison’s funding come from? Who are your investors?](/content/faqs/question/esa-funding-source/index.html)