# Frequently Asked Questions ## Basics ### 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) ### How does Unison store and protect my information? [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? [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)