# Frequently Asked Questions

## Application

[**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?**](/content/faqs/question/esa-qualification/index.html)

[**What are the costs associated with Unison?**](/content/faqs/question/esa-costs/index.html)

[**How does Unison store and protect my information?**](/content/faqs/question/esa-data-security/index.html)

[**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?**](/content/faqs/question/esa-property-assessment/index.html)

[**What is an Equity Sharing Agreement?**](/content/faqs/question/esa-overview/index.html)

[**How much funding is available?**](/content/faqs/question/esa-funding-amount/index.html)

[**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?**](/content/faqs/question/esa-home-ownership/index.html)

[**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?**](/content/faqs/question/esa-lien/index.html)

[**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?**](/content/faqs/question/esa-risk-adjustment/index.html)

[**In which states are Equity Sharing Agreements available?**](/content/faqs/question/esa-available-states/index.html)

[**What is the Owner Occupancy Requirement?**](/content/faqs/question/esa-occupancy/index.html)

[**What kind of properties are eligible?**](/content/faqs/question/esa-property-types/index.html)

[**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?**](/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?**](/content/faqs/question/esa-requirements/index.html)

[**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?**](/content/faqs/question/esa-qualification/index.html)

[**What are the costs associated with Unison?**](/content/faqs/question/esa-costs/index.html)

[**How does Unison store and protect my information?**](/content/faqs/question/esa-data-security/index.html)

[**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?**](/content/faqs/question/esa-property-assessment/index.html)

[**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?**](/content/faqs/question/esa-maintenance/index.html)

[**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?**](/content/faqs/question/esa-default/index.html)

[**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?**](/content/faqs/question/esa-refinancing/index.html)

[**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?**](/content/faqs/question/esa-right-fit/index.html)

[**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?**](/content/faqs/question/esa-buyout/index.html)

[**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?**](/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?**](/content/faqs/question/esa-owing-less/index.html)

[**Does Unison share in selling costs?**](/content/faqs/question/esa-selling-costs/index.html)

[**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?**](/content/faqs/question/esa-appreciation-limit/index.html)

[**Who is Unison?**](/content/faqs/question/esa-about-unison/index.html)

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

[**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?**](/content/faqs/question/esa-funding-source/index.html)