# Frequently Asked Questions ## What happens if I can't make my mortgage payments and default? Unison technically has the right to foreclose on your property to protect its investment, but we would much rather see you stay in your home. That's why we will always give you a chance to fix any default. As an investor in your property, we share your desire to protect the equity in the home. In certain circumstances, if you are facing foreclosure by your lender, we might work with you to sell your home in an orderly "non-distressed" fashion which would maximize the sale price, protect the equity in the home, and preserve your credit. ## What is an Equity Sharing Agreement? [Answer Link](/content/faqs/question/esa-overview/index.html) ## How much funding is available? [Answer Link](/content/faqs/question/esa-funding-amount/index.html) ## How long is the term and what happens at the end? [Answer Link](/content/faqs/question/esa-agreement-end/index.html) ## If I partner with Unison, who owns the home? [Answer Link](/content/faqs/question/esa-home-ownership/index.html) ## What percentage of the future change in the home’s value will Unison share? [Answer Link](/content/faqs/question/esa-sharing-percentage/index.html) ## How does Unison secure its interest in the property? [Answer Link](/content/faqs/question/esa-lien/index.html) ## Does Unison benefit from the equity that is built as I pay down my mortgage? [Answer Link](/content/faqs/question/esa-mortgage-paydown/index.html) ## What is the Risk Adjustment and how does Unison determine my home’s starting value? [Answer Link](/content/faqs/question/esa-risk-adjustment/index.html) ## In which states are Equity Sharing Agreements available? [Answer Link](/content/faqs/question/esa-available-states/index.html) ## What is the Owner Occupancy Requirement? [Answer Link](/content/faqs/question/esa-occupancy/index.html) ## What kind of properties are eligible? [Answer Link](/content/faqs/question/esa-property-types/index.html) ## Am I allowed to rent my property in the future? [Answer Link](/content/faqs/question/esa-renting/index.html) ## What is the "restriction period"? Can I sell my home at any time? [Answer Link](/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? [Answer Link](/content/faqs/question/esa-requirements/index.html) ## Why does Unison require a home appraisal and is it accurate? [Answer Link](/content/faqs/question/esa-appraisal/index.html) ## What do I need in order to qualify for a Unison equity sharing agreement? [Answer Link](/content/faqs/question/esa-qualification/index.html) ## What are the costs associated with Unison? [Answer Link](/content/faqs/question/esa-costs/index.html) ## How does Unison store and protect my information? [Answer Link](/content/faqs/question/esa-data-security/index.html) ## Do you have to check my credit? When does that happen? [Answer Link](/content/faqs/question/esa-credit-check/index.html) ## How does Unison assess my property? [Answer Link](/content/faqs/question/esa-property-assessment/index.html) ## Will Unison share in the value of my home improvements? [Answer Link](/content/faqs/question/esa-home-improvements/index.html) ## What happens if I get behind on home maintenance? [Answer Link](/content/faqs/question/esa-maintenance/index.html) ## What happens if there is a foreclosure? [Answer Link](/content/faqs/question/esa-foreclosure/index.html) ## How does Unison affect my taxes? [Answer Link](/content/faqs/question/esa-taxes/index.html) ## If I choose a Unison equity sharing agreement, can I still refinance in the future? [Answer Link](/content/faqs/question/esa-refinancing/index.html) ## What if something happens to me during my agreement? [Answer Link](/content/faqs/question/esa-death/index.html) ## In what situations would Unison not be the right option? [Answer Link](/content/faqs/question/esa-right-fit/index.html) ## How is Unison's profit or loss calculated upon sale? [Answer Link](/content/faqs/question/esa-profit-calculation/index.html) ## Can I buy out Unison's investment in my home? [Answer Link](/content/faqs/question/esa-buyout/index.html) ## What happens when I decide to sell my home? [Answer Link](/content/faqs/question/esa-selling/index.html) ## Who decides when our partnership ends? Can you force me to sell my house? [Answer Link](/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? [Answer Link](/content/faqs/question/esa-owing-less/index.html) ## Does Unison share in selling costs? [Answer Link](/content/faqs/question/esa-selling-costs/index.html) ## What is a Deferred Maintenance Adjustment? [Answer Link](/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? [Answer Link](/content/faqs/question/esa-appreciation-limit/index.html) ## Who is Unison? [Answer Link](/content/faqs/question/esa-about-unison/index.html) ## What is Unison’s business model? [Answer Link](/content/faqs/question/esa-business-model/index.html) ## How do I know if I can trust Unison? [Answer Link](/content/faqs/question/esa-trust/index.html) ## Where does Unison’s funding come from? Who are your investors? [Answer Link](/content/faqs/question/esa-funding-source/index.html) No results found.