# Frequently Asked Questions

## What percentage of the future change in the home’s value will Unison share?

Unison's percentage share in the home's future change in value varies with the amount of your equity sharing agreement. Unison's share is typically four times the percentage we invested. For example, if we invest 10% of the current value of your home, we will receive 40% of the future change in value of your home.

## What is an Equity Sharing Agreement?

[Learn more](/content/faqs/question/esa-overview/index.html)

## How much funding is available?

[Learn more](/content/faqs/question/esa-funding-amount/index.html)

## How long is the term and what happens at the end?

[Learn more](/content/faqs/question/esa-agreement-end/index.html)

## If I partner with Unison, who owns the home?

[Learn more](/content/faqs/question/esa-home-ownership/index.html)

## How does Unison secure its interest in the property?

[Learn more](/content/faqs/question/esa-lien/index.html)

## Does Unison benefit from the equity that is built as I pay down my mortgage?

[Learn more](/content/faqs/question/esa-mortgage-paydown/index.html)

## What is the Risk Adjustment and how does Unison determine my home’s starting value?

[Learn more](/content/faqs/question/esa-risk-adjustment/index.html)

## In which states are Equity Sharing Agreements available?

[Learn more](/content/faqs/question/esa-available-states/index.html)

## What is the Owner Occupancy Requirement?

[Learn more](/content/faqs/question/esa-occupancy/index.html)

## What kind of properties are eligible?

[Learn more](/content/faqs/question/esa-property-types/index.html)

## Am I allowed to rent my property in the future?

[Learn more](/content/faqs/question/esa-renting/index.html)

## What is the "restriction period"? Can I sell my home at any time?

[Learn more](/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?

[Learn more](/content/faqs/question/esa-requirements/index.html)

## Why does Unison require a home appraisal and is it accurate?

[Learn more](/content/faqs/question/esa-appraisal/index.html)

## What do I need in order to qualify for a Unison equity sharing agreement?

[Learn more](/content/faqs/question/esa-qualification/index.html)

## What are the costs associated with Unison?

[Learn more](/content/faqs/question/esa-costs/index.html)

## How does Unison store and protect my information?

[Learn more](/content/faqs/question/esa-data-security/index.html)

## Do you have to check my credit? When does that happen?

[Learn more](/content/faqs/question/esa-credit-check/index.html)

## How does Unison assess my property?

[Learn more](/content/faqs/question/esa-property-assessment/index.html)

## Will Unison share in the value of my home improvements?

[Learn more](/content/faqs/question/esa-home-improvements/index.html)

## What happens if I get behind on home maintenance?

[Learn more](/content/faqs/question/esa-maintenance/index.html)

## What happens if there is a foreclosure?

[Learn more](/content/faqs/question/esa-foreclosure/index.html)

## What happens if I can't make my mortgage payments and default?

[Learn more](/content/faqs/question/esa-default/index.html)

## How does Unison affect my taxes?

[Learn more](/content/faqs/question/esa-taxes/index.html)

## If I choose a Unison equity sharing agreement, can I still refinance in the future?

[Learn more](/content/faqs/question/esa-refinancing/index.html)

## What if something happens to me during my agreement?

[Learn more](/content/faqs/question/esa-death/index.html)

## In what situations would Unison not be the right option?

[Learn more](/content/faqs/question/esa-right-fit/index.html)

## How is Unison's profit or loss calculated upon sale?

[Learn more](/content/faqs/question/esa-profit-calculation/index.html)

## Can I buy out Unison's investment in my home?

[Learn more](/content/faqs/question/esa-buyout/index.html)

## What happens when I decide to sell my home?

[Learn more](/content/faqs/question/esa-selling/index.html)

## Who decides when our partnership ends? Can you force me to sell my house?

[Learn more](/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?

[Learn more](/content/faqs/question/esa-owing-less/index.html)

## Does Unison share in selling costs?

[Learn more](/content/faqs/question/esa-selling-costs/index.html)

## What is a Deferred Maintenance Adjustment?

[Learn more](/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?

[Learn more](/content/faqs/question/esa-appreciation-limit/index.html)

## Who is Unison?

[Learn more](/content/faqs/question/esa-about-unison/index.html)

## What is Unison’s business model?

[Learn more](/content/faqs/question/esa-business-model/index.html)

## How do I know if I can trust Unison?

[Learn more](/content/faqs/question/esa-trust/index.html)

## Where does Unison’s funding come from? Who are your investors?

[Learn more](/content/faqs/question/esa-funding-source/index.html)