# unison.com

> AI-optimized mirror of unison.com containing 394 pages totalling 260,244 words of clean markdown content, structured data, and semantic HTML. Original source: https://unison.com. Last updated: 2026-07-18T03:14:36.389Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Unison | Single Sign-on](/content/login/index.html) (52 words)
- [Unison | Home Equity Funding](/content/site-root.html): Stop letting wealth stay trapped in your house. Unison offers home equity investment and loan options designed to give you cash today. (902 words)

## Articles & Blog Posts

- [contentimages-o-prod/images/im/index.html](/content/contentimages-o-prod/images/im/index.html) (103 words)
- [contentimages-o-prod/images/im/downloads/resilient-and-vulnerable-cities-pdf.html](/content/contentimages-o-prod/images/im/downloads/resilient-and-vulnerable-cities-pdf.html) (1,514 words)
- [contentimages-o-prod/images/im/2021/esg_report_2021_final-pdf.html](/content/contentimages-o-prod/images/im/2021/esg_report_2021_final-pdf.html) (5,738 words)
- [contentimages-o-prod/images/press/2021_home_equity_report-pdf.html](/content/contentimages-o-prod/images/press/2021_home_equity_report-pdf.html) (1,161 words)
- [Application | Unison FAQs](/content/faqs/topic/application/index.html): Learn what to expect when applying for a Unison Equity Sharing Agreement — from appraisals and credit checks to required documents, costs, and closing. (457 words)
- [contentimages-o-prod/images/press/2022_home_equity_report-pdf.html](/content/contentimages-o-prod/images/press/2022_home_equity_report-pdf.html) (1,619 words)
- [About Unison | Unison FAQs](/content/faqs/topic/about-unison/index.html): Learn more about Unison — who we are, where our funding comes from, and why homeowners trust us to invest alongside them. (814 words)
- [Basics | Unison FAQs](/content/faqs/topic/basics/index.html): Get answers to the most common questions about Unison's Equity Sharing Agreements: how it works, eligibility requirements, investment amounts, the application process, and what you can use the cash for. (796 words)
- [9.1 GLBA Notice.docx](/content/contentimages-o-prod/pdf/glba-notice-pdf.html) (791 words)
- [2021 State of the American Homeowner | Unison](/content/press/unison-homeowner-report-2021/index.html): Work from home, holiday from home, safer at home – is it any surprise homeowners value their investment more than ever? Explore our 2021 HomeOwner Report for mo (1,413 words)
- [contentimages-o-prod/images/downloads/unison_affordability-report_2019-pdf.html](/content/contentimages-o-prod/images/downloads/unison_affordability-report_2019-pdf.html) (6,925 words)
- [State Of The American Homeowner | Unison](/content/press/unison-homeowner-survey-retirement/index.html): "Most homeowners don't understand... the risk that comes with [homeownership] in planning for the future," CEO Thomas Sponholtz commented. Explore the results o (1,476 words)
- [Scenarios | Unison FAQs](/content/faqs/topic/scenarios/index.html): See how a Unison Equity Sharing Agreement handles real-life situations — home renovations, refinancing, changes in home value, and what happens at the end of your agreement. (382 words)
- [Settlement | Unison FAQs](/content/faqs/topic/settlement/index.html): Understand how a Unison Equity Sharing Agreement ends — including selling your home, buying Unison out, and how your payment is calculated. (922 words)
- [Valley Bank | Unison](/content/press/unison-valleybank-fivepercent/index.html): “With Valley National Bank, this first of its kind 5% down payment program opens the residential real estate market to more potential buyers,” Unison chairman a (387 words)
- [Eligibility | Unison FAQs](/content/faqs/topic/eligibility/index.html): Find out if you qualify for a Unison Equity Sharing Agreement — including state availability, property types, occupancy requirements, and what you need to apply. (400 words)
- [Compare Articles | Unison Blog](/content/blog/topic/compare/index.html): Explore expert articles on Compare. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (45 words)
- [San Francisco's Welcome Tower | Unison](/content/press/welcome-tower/index.html): Commissioned by Unison and designed by local artists, the Welcome Tower is intended to celebrate San Francisco's history and inspire new housing solutions for t (984 words)
- [Bank of Mom & Dad | Unison](/content/press/unison-homeowner-retirement/index.html): Parents with adult children are tightly linked financially, new research shows. The connections run deep—and in some cases, their children threatening parents’ (844 words)
- [Securitization | Unison](/content/press/unison-securitization-443million/index.html): The company finishes banner year of growth with largest securitization of its kind. (680 words)
- [VIU by HUB Partners with Unison to Simplify Personal Insurance for Homeowners | Unison](/content/press/viu-by-hub-unison-partnership/index.html): VIU allows users to shop, compare, purchase and manage personal insurance while receiving trusted advice. (490 words)
- [Unison Launches Innovative Equity Sharing Home Loan to Convert Home Equity Into Cash | Unison](/content/press/unison-launches-equity-sharing-home-loan/index.html): New Home Loan Category Supported by New Carlyle Investment Offers Interest-Only, Below-Market Monthly Payments to Fund Personal Goals Without Selling Assets or (546 words)
- [Unison Company Updates | Unison](/content/press/unison-update-funding/index.html): Unison Secures Funding | Unison Home Equity Sharing | Blog (676 words)
- [Unison takes the global stage in “Wired Differently” | Unison](/content/press/wired-differently/index.html): Innovate Finance and BBC Storyworks explore how fintech companies can help accelerate financial inclusion and wellness through a branded series that highlights Unison's equity sharing agreements and recognizes their groundbreaking work. (461 words)
- [Resilient & Fragile Cities | Unison](/content/press/unison-jobs-cities-investing/index.html): New Unison research suggests that cities with higher concentrations of vulnerable jobs will experience slower recoveries in home prices. Read the full report he (905 words)
- [Unison Announces Securitization of $165 Million Unison Home Equity Agreements | Unison](/content/press/unison-securitization-165-million-home-equity-agreements.html): DBRS Morningstar’s finalized ratings criteria for the U.S. Home Equity Investments asset class and increased investor demand for access to owner-occupied residential real estate reflects confidence in Equity Sharing Agreements as reliable and gainful. (430 words)
- [Californians Can Now Convert Home Equity Into Cash With Unison Equity Sharing Home Loan | Unison](/content/press/unison-equity-sharing-home-loan-now-available-in-california.html): Unison Monthly Payments a Fraction of Traditional Options, Providing Critical Financial Flexibility for Californian Families (657 words)
- [Unison Announces First DBRS Rated Securitization of $202 Million of Unison Home Equity Agreements | Unison](/content/press/unison-first-dbrs-morningstar-rated-securitization/index.html): The securitization is Unison's first under DBRS Morningstar's recently finalized ratings criteria for the U.S. Home Equity Investments asset class. (402 words)
- [Residential Equity Agreements Leader Unison Appoints President and CFO | Unison](/content/press/unison-president-cfo/index.html): New hires position Unison for growth, scale. (556 words)
- [Benchmark Volatility Index | Unison](/content/press/unison-volatility-index/index.html): American homes are in fact as volatile in value as a stock market index, according to the benchmark Unison Home Volatility Index released today. Explore the ind (443 words)
- [Unison Announces DBRS Rated Securitization of $215 Million of Unison Home Equity Sharing Agreements | Unison](/content/press/unison-second-dbrs-rated-securitization/index.html): The securitization is Unison’s second under DBRS Morningstar’s ratings criteria for the U.S. Home Equity Investments asset class (400 words)
- [Unison Celebrates 10,000th Homeowner & Reaffirms Ongoing Commitment to Homeowners with the “Homeowner Promise” | Unison](/content/press/unison-homeowner-promise-milestone/index.html): Unison has reached an exciting landmark: partnering with their 10,000th homeowner. This milestone coincides with the release of their “Homeowner Promise,” which reiterates Unison’s dedication to the interests of the homeowners with whom they partner. (466 words)
- [Responsible Investing | Unison](/content/press/unison-responsible-investing-esg/index.html): The report outlines progress on goals and develops metrics to measure progress. Notably, the company reports that homeowners paid off $55M in other debts thanks (360 words)
- [Launches Eight New States | Unison](/content/press/unison-new-states/index.html): Unison are proud to partner with homeowners across the country, and we're excited to announce that we're expanding into eight new states! Ready to meet Unison? (296 words)
- [Dream Home Giveaway | Unison](/content/press/unison-dreamhome-giveaway/index.html): Through this social media contest, the home co-investing company aims to generate excitement around buying and owning a home, and help a lucky home buyer into t (260 words)
- [Cash-Out ReFi vs Home Equity Loan](/content/blog/cash-out-refinance-vs-home-equity-loan/index.html): If you're thinking of tapping into your equity to consolidate your debt or pay for renovations, this post will educate you on the cash-out refinance versus the home equity loan. (3,852 words)
- [Pros and Cons of Home Equity Loan](/content/blog/pros-cons-home-equity-loan/index.html): Wondering if you should apply for a home equity loan? Before you borrow, understand the home equity loan pros and cons to decide if one is right for you! (1,336 words)
- [Tips to Increase Your Credit Score](/content/blog/credit-score/index.html): Your credit scores are determined by several factors, including payment history and credit utilization. Here are some tips that can help raise your credit score. (1,168 words)
- [Mortgage Quotes, How Many are Needed?](/content/blog/tips-for-mortgage-quotes/index.html): Terrance Odean, professor at the Haas School of Business at UC Berkeley, explains how to shop smarter for a mortgage and save thousands on your home loan. (748 words)
- [Mortgage Underwriting Process](/content/blog/what-is-the-mortgage-underwriting-process/index.html): Learn about the mortgage underwriting process and the data that analysis use to vet home buyers. (996 words)
- [Alternative Ways to Get Equity Out of Your Home](/content/blog/alternative-ways-to-access-home-equity/index.html): You don't have to sell your home to harvest your equity. Learn more about the alternative ways to tap into your equity, from HELOCs to Unison's Equity Sharing Home Loan, among others. (2,231 words)
- [Unison Takes to the Global Stage at the Innovative Finance Global Summit](/content/blog/innovate-finance-2023-wired-differently/index.html): On April 17, 2023, Innovative Finance launched their “Wired Differently” series, highlighting fintechs breaking the status quo in their endeavors to help people achieve a state of financial wellbeing. (654 words)
- [contentimages-o-prod/images/downloads/volatility_index_short_paper_final-pdf.html](/content/contentimages-o-prod/images/downloads/volatility_index_short_paper_final-pdf.html) (1,308 words)
- [Capital Raise | Unison](/content/press/unison-capitalraise-300million/index.html): Unison HomeOwnership Investors, the leading provider of home ownership investments, announced a new investment mandate and new appointments to key leadership po (507 words)
- [Downsizing vs Aging-in-Place](/content/blog/downsizing-vs-aging-in-place/index.html): Planning for retirement is stressful, and with life expectancy climbing for seniors, a key decision must be made: does one downsize, or try to age in place? (1,594 words)
- [Accessory Dwelling Units: What Are ADUs?](/content/blog/what-are-adus/index.html): As states relax their zoning restrictions, the construction of Additional Dwelling Units (ADUs) are on the rise. What are ADUs, and why are they good for society? Read the blog to find out. (1,088 words)
- [Unison Cuts Rates for Home Equity Lending to Offer Relief as Households Face Debt, Market Volatility | Unison](/content/press/unison-cuts-rates-for-home-equity-lending/index.html): Unison Sharply Reduces Monthly Payments to about One-Third of Traditional Options, Providing Critical Financial Flexibility for American Families (704 words)
- [Carlyle Enters into Strategic Partnership with Unison to Purchase $300 Million of Equity Sharing Home Loans | Unison](/content/press/carlyle-partners-with-unison/index.html): Global investment firm Carlyle (NASDAQ: CG) today announced that it has agreed to purchase up to $300 million of equity sharing home loans from Unison, the pioneer of equity sharing agreements. (679 words)
- [How to Take Advantage of Your Soaring Home Value](/content/blog/how-to-take-advantage-of-your-soaring-home-value/index.html): Home prices have soared in 2021. Find out which cities have seen the highest home equity increase, and what it means for homeowners and homebuyers. (1,066 words)
- [What is Home Equity & How Can You Use It?](/content/blog/what-is-home-equity-and-how-to-use-it/index.html): You can leverage your home equity to meet your financial goals and live the life you’ve always wanted–learn more about what it is and how you can tap into its potential in this blog post. (2,184 words)
- [Easy DIY Ways to Go Green in Your Home](/content/blog/green-home-improvements/index.html): Tips on easy DIY home improvements to help make your home more eco-friendly with energy efficient upgrades. Save money and lower your energy bills. (1,286 words)
- [FirstREX | Unison](/content/press/firstrex-unison/index.html): FirstREX, the leader in home ownership investments is changing its name to Unison and introducing favorable new terms for its flagship home buying program Uniso (495 words)
- [Unison Mortgage Corporation Launches Innovative Equity Sharing Home Loan in Nevada to Convert Home Equity Into Cash | Unison](/content/press/equity-sharing-home-loan-in-nevada/index.html): Unison Mortgage Corporation, a Unison company, today announced the launch of its Equity Sharing Home Loan in Nevada. Unison’s Equity Sharing Home Loan delivers unmatched affordability for homeowners feeling the squeeze of today's economic pressures. (586 words)
- [How to Pay for Home Renovations—Find the Best Loan for You](/content/blog/how-to-finance-home-remodel/index.html): Need to take out a loan for home renovations? From home improvement loans to HELOCs, here are nine of the best ways to finance home improvements & repairs, including Unison’s Equity Sharing Home Loan. (1,810 words)
- [Investing in Real Estate: Is an AirBnb Better than Traditional Renting?](/content/blog/airbnb-vs-renting-as-investment/index.html): If you’re thinking about getting an investment property, you might be wondering whether it’s best to rent it outright, list it on AirBnb, or entertain an entirely different option. (1,379 words)
- [Deloitte Fast 500 2019 | Unison](/content/press/unison-deloitte-fast500/index.html): As one of the fastest growing companies in North America, meeting the needs of homeowners and investors, Unison has been named as part of Deloitte's 2019 Technology Fast 500. (564 words)
- [Pros and Cons of Home Equity Line of Credit (HELOC)](/content/blog/pros-cons-heloc/index.html): Wondering if you should get a home equity line of credit? HELOCs often have lower interest rates. Review HELOC pros and cons to decide if it's right for you! (1,424 words)
- [Report on Credit Card Debt](/content/blog/2024-credit-card-debt-report/index.html): As collective credit card debt in the U.S. increases, we've written a report to explore the factors that have contributed to it, as well as its overall effect. (1,523 words)
- [Winter Maintenance Tips](/content/blog/winter-maintenance-for-homeowners/index.html): We know there’s certain stuff we’re supposed to do to take care of our homes during the snowy season. But what would happen if we just… let it slide? (1,298 words)
- [Inside Mortgage Finance | Unison](/content/press/unison-home-equity-sharing-insidemortgagefinance/index.html): Having recently completed its first securitization of residential equity agreements, Unison is already working on a second deal, a hopeful sign for this nontrad (359 words)
- [Unison Announces Expansion into Nebraska | Unison](/content/press/unison-announces-expansion-into-nebraska/index.html): Announcement follows latest office opening in Omaha, establishing greater presence and focus on Midwest (372 words)
- [Unison Announces Securitization of $94.2 Million Home Equity Agreements | Unison](/content/press/94-million-home-equity-agreement-securitization/index.html): Unison has successfully closed its seventh securitization transaction, UNSN 2026-1, issued through the Unison Midgard Fund and backed by $94.2 million in assets with a formal credit rating from DBRS Morningstar. (440 words)
- [Unison CEO Thomas Sponholtz Announced as One of Inman’s '2023 Best of Proptech' | Unison](/content/press/inman-best-proptech-2023-sponholtz/index.html): As Inman expands its awards program recognizing the achievements of trailblazers throughout the real estate community, Sponholtz is selected as a winner in “Alternative Finance.” (275 words)
- [Unison Investment Management Announces Sandra Taube Godard, Former Wells Fargo and UBS Executive, as Managing Director for Investment Strategy in Canada | Unison](/content/press/sandra-taube-godard-joins-unison/index.html): Ms. Taube Godard Brings 30 years of Expertise Working with Large Institutional Investors. Ms. Taube Godard Will Oversee Unison's Strategic Initiatives and Client Partnerships Across All Canadian Markets. (253 words)
- [How to Use Home Equity to Build Wealth](/content/blog/how-to-use-home-equity-to-build-wealth/index.html): Tapping into your home equity is one of the best ways to build wealth passively. Learn how to use home equity to make money with little additional effort. (1,305 words)
- [Cash-Out Refinance Pros & Cons](/content/blog/cash-out-refinance-pros-and-cons/index.html): If you’re thinking about tapping into your equity, it’s important to consider all of your choices. Learn more about the pros and cons of the cash-out refinance in this blog post. (1,581 words)
- [Unison CEO Thomas Sponholtz Wins 2025 Inman Best of Finance Award | Unison](/content/press/unison-ceo-thomas-sponholtz-wins-2025-inman-best-of-finance-award.html): The award recognizes his pioneering work in creating innovative home equity solutions to help homeowners achieve financial flexibility. Sponholtz was honored with the 2025 Inman Best of Finance Award for the second consecutive year. (348 words)
- [contentimages-o-prod/images/im/downloads/home-price-return-and-volatility-indices-1-pdf.html](/content/contentimages-o-prod/images/im/downloads/home-price-return-and-volatility-indices-1-pdf.html) (13,115 words)
- [Renovations & Remodeling Articles | Unison Blog](/content/blog/topic/renovations-and-remodeling/index.html): Explore expert articles on Renovations & Remodeling. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (243 words)
- [COVID and the Rise of the At-Home Workout](/content/blog/covid-rise-of-home-gym/index.html): Over two years into the “COVID Era,” this trilogy of blog posts considers the effects of the pandemic on particular aspects of homeownership. Now featured: the rise of the home gym. (1,214 words)
- [Homeownership Articles | Unison Blog](/content/blog/topic/homeownership/index.html): Explore expert articles on Homeownership. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (294 words)
- [COVID Baby Boom & Multigenerational Households](/content/blog/covid-baby-blip-multigen-home/index.html): Over two years into the “COVID Era,” this trilogy of blog posts considers the effects of the pandemic on particular aspects of homeownership. (884 words)
- [Climate Change & Home Values](/content/blog/natural-disasters-and-home-values/index.html): When we see natural disasters on the news, we see numbers–property damages, loss of life, displaced peoples. What are the long-term effects on home values and demographics, though? (1,490 words)
- [How to Use Home Equity in Retirement](/content/blog/how-to-use-home-equity-in-retirement/index.html): There are a few ways to access your home equity–this article describes home equity loans, HELOCs, among others, including Unison's Equity Sharing Agreement. (1,317 words)
- [What is an Equity Sharing Agreement?](/content/blog/equity-sharing-agreements/index.html): You’ve heard of HELOCs, refinancing, and home equity loans. Learn about the equity sharing agreement: how it’s different, and how it might benefit you. (1,450 words)
- [What Should I Know About HELOCs?](/content/blog/about-helocs/index.html): You’ve probably heard about HELOCs (home equity lines of credit). But is it a good option to help you dip into your home equity? Read up to learn more about HELOCs and their potential pitfalls. (1,122 words)
- [Ending Your Unison Agreement](/content/blog/process-termination/index.html): Ready to bring our partnership to an end? There are four ways in which your Unison Agreement can come to a close. (532 words)
- [Not Found](/content/blog/introducing-unison-equity-sharing-home-loan/index.html) (15 words)
- [Coping With an Empty Nest](/content/blog/how-to-cope-with-an-empty-nest/index.html): If your child is making the transition to college this year, learn more about how to cope with this transformative stage in life in this blog post. (1,174 words)
- [Success Story Articles | Unison Blog](/content/blog/topic/success-stories/index.html): Explore expert articles on Success Story. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (64 words)
- [The Potential Downsides of a Reverse Mortgage](/content/blog/reverse-mortgage-downsides/index.html): Is a reverse mortgage a good idea? Learn about the potential downsides of a reverse mortgage and find out what you can do to protect yourself. (931 words)
- [Tips for Building a Budget and Creating Better Spending Habits](/content/blog/tips-for-budgeting-and-better-spending-habits/index.html): Learn how to create a budget, explore popular budgeting methods, and develop smarter spending habits to improve your financial well-being. (820 words)
- [Tips to Help Improve Your Credit Score](/content/blog/tips-to-improve-credit-score/index.html): Are you looking to boost your credit score? It might be easier and more straightforward than you think! In this post, we’ll lay out some steps you can take to achieve your goal. (718 words)
- [Popular Ways to Use Equity Funds](/content/blog/process-funding/index.html): Once you’ve accepted your offer and received your funds, it’s time to put your equity to work – from paying down debt, supplementing your retirement, financing home improvements and beyond. (561 words)
- [How Much Should I Save for Retirement? A Realistic Guide for Any Income](/content/blog/how-much-should-i-save-for-retirement/index.html): Wondering how much to save for retirement? Learn realistic savings goals by income level, plus practical tips to plan for retirement – no matter where you're starting. (921 words)
- [During the Agreement](/content/blog/process-agreement-duration/index.html): Understand your home equity sharing agreement with Unison (650 words)
- [Not Found](/content/blog/what-is-shared-appreciation/index.html) (15 words)
- [How to Take Equity Out of Your Home Without Refinancing](/content/blog/cash-out-refinance-alternatives/index.html): Discover how to tap into home equity without refinancing. From HELOCs to home equity agreements, here are the six best alternatives to a cash-out refinance. (722 words)
- [Not Found](/content/blog/apr-vs-monthly-payment/index.html) (15 words)
- [How to Get Out of Medical Debt: Smart Strategies to Reduce What You Owe](/content/blog/how-to-get-out-of-medical-debt/index.html): Struggling with medical bills? Learn how to reduce or manage medical debt with proven strategies, from negotiating bills and budgeting tips, to asset-based options like home equity. (1,021 words)
- [Not Found](/content/blog/home-equity-loan-vs-heloc/index.html) (15 words)
- [How to Calculate Home Equity](/content/blog/how-to-calculate-home-equity/index.html): Wondering how to figure out how much equity you have in your home? Follow these simple steps to make calculating home equity quick, easy, and stress-free. (694 words)
- [Not Found](/content/blog/unison-equity-sharing-home-loan-vs-401k-loan/index.html) (15 words)
- [Not Found](/content/blog/best-ways-to-consolidate-debt/index.html) (15 words)
- [Not Found](/content/blog/how-to-refinance-a-second-mortgage/index.html) (15 words)
- [Maintain Now, Save Later: 10 Home Maintenance Tips That Can Prevent Costly Repairs](/content/blog/home-maintenance-tips-to-prevent-costly-repairs/index.html): Avoid costly home repairs with these simple maintenance tips. Catch small issues early and save money by staying ahead of preventable damage. (1,152 words)
- [Not Found](/content/blog/consolidate-debt-heloc-vs-equity-sharing-home-loan/index.html) (15 words)
- [Not Found](/content/blog/unison-equity-sharing-home-loan-vs-debt-consolidation-loan.html) (16 words)
- [Not Found](/content/blog/beyond-home-equity-alternative/index.html) (15 words)
- [Renovations are on the Rise, and With Them, ADUs](/content/blog/renovations-and-adus/index.html): Renovations are on the rise! Learn more about the upward swing, and the burgeoning Accessory Dwelling Unit trend in this blog post. (497 words)
- [Not Found](/content/blog/breaking-new-ground-how-unison-revolutionizes-home-equity-access.html) (15 words)
- [2022 Unison Home Equity Report](/content/blog/home-equity-report-2022/index.html): The report notes that U.S. households currently hold over $29 trillion in untapped equity, and highlights how homeowners may want to consider putting their assets to use. (235 words)
- [Not Found](/content/blog/revolutionize-your-home-equity-access/index.html) (15 words)
- [Can You Have a Good DTI but Low Credit Score? Here’s What to Know](/content/blog/good-dti-low-credit-score/index.html): A low debt-to-income ratio doesn’t always mean a high credit score. Learn why that happens, how it affects loans, and what you can do to improve your financial profile. (689 words)
- [Not Found](/content/blog/home-equity-loan-volatile-market-2025/index.html) (15 words)
- [What Can I Do if My Homeowners Insurance Provider Leaves the State?](/content/blog/cant-find-homeowners-insurance-in-my-state/index.html): In recent years, an alarming trend has emerged across several states: major insurance companies are pulling out of entire markets. Here's what to do if it happens to you. (657 words)
- [More Than Just Payments: How Your Home Equity Grows](/content/blog/how-your-home-equity-grows/index.html): Mortgage payments are only part of the story. Learn how home value grows through equity, market trends, and smart improvements – even in today's changing economy. (836 words)
- [What Is DTI? Understanding Your Debt-to-Income Ratio](/content/blog/understanding-debt-to-income-ratio/index.html): Faced with unpredictable rates in 2025? Learn how to lock in a good deal, refinance fast, and protect yourself from interest rate hikes with these smart borrowing tips. (439 words)
- [Not Found](/content/blog/beyond-home-equity-personal-loans-credit/index.html) (15 words)
- [What Are Property Taxes For? How They Work and Why They Matter](/content/blog/what-are-property-taxes-for/index.html): Learn what property taxes are for, how they're assessed, and why they’re essential to funding schools, public services, and your community's quality of life. (707 words)
- [Not Found](/content/blog/unison-equity-sharing-home-loan-vs-debt-management-plan.html) (15 words)
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- [What Is a Second Mortgage — and Why Do People Get One?](/content/blog/second-mortgage-explained/index.html): Learn what a second mortgage is, why homeowners use them, and how they can be a smart financial tool – when used responsibly. (754 words)
- [How to Prepare for a Home Appraisal: A Step-by-Step Guide](/content/blog/how-to-prepare-for-home-appraisal/index.html): A home appraisal is a crucial step in the process of applying for home equity financing. Follow these key steps to prepare for your appraisal. (388 words)
- [Did you know your home can finance your sanctuary bathroom?](/content/blog/finance-bathroom-sanctuary-2025-trends/index.html): Did you know your home can finance your sanctuary bathroom? Your bathroom is more than just a functional space—it's a personal retreat, a place to unwind and recharge. (441 words)
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- [blog/home-remodeling-equity-sharing-guide/index.html](/content/blog/home-remodeling-equity-sharing-guide/index.html) (397 words)
- [Terms of Use | Unison](/content/legal/terms/index.html): See the rules and guidelines you agree to follow when you visit Unison.com and any subdomains. The “Terms of Use” is a legal agreement between you and Unison. (2,774 words)
- [9 Options for Consolidating Debt](/content/blog/9-options-for-consolidating-debt/index.html): Struggling with high-interest debt? Explore 9 effective ways to consolidate debt, from balance transfers to equity sharing, and find the right fit for your finances. (4,864 words)
- [Unison Releases 2024 Annual Home Equity Report | Unison](/content/press/2024-home-equity-report/index.html): Unison's 2024 Annual Home Equity Report is a comprehensive analysis of the U.S. housing market that highlights notable trends in home equity growth across states and metropolitan areas. (530 words)
- [The Homeowner's Guide to Equity Sharing with Unison](/content/blog/the-homeowners-guide-to-equity-sharing-with-unison/index.html): Learn how an Equity Sharing Agreement can help provide cash for retirement without the burden of new monthly mortgage payments or high interest. (1,636 words)
- [How does Unison store and protect my information?](/content/faqs/question/esa-data-security/index.html): 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 (https://www.unison.com/legal/privacy). (880 words)
- [How does Unison secure its interest in the property?](/content/faqs/question/esa-lien/index.html): We place a lien on your property. If you currently have a mortgage, our lien will be in second position.. The document we use for this lien is very similar to what a mortgage lender would use to secure its investment in your home. We also record what’s called a Memorandum of Agreement which gives public notice of our interest in the property. (867 words)
- [Unison vs. Point: Compare Home Equity Solutions](/content/blog/unison-vs-point/index.html): Point offers a Home Equity Investment (HEI) and Unison offers an Equity Sharing Agreement (ESA). Learn the important differences in how each values and shares in your home. (1,616 words)
- [Can I buy out Unison's investment in my home?](/content/faqs/question/esa-buyout/index.html): Our goal is to give you as much flexibility as possible. Equity sharing agreements that originated after February 13, 2023 are eligible to Special Terminate at any time, but Unison will not share in any decrease in value. In that situation, at a minimum, you'll have to pay back the Initial Payment (together with any amounts attributed to the Risk Adjustment) even if your home appraises for less than it was worth at the start of the agreement. We’ll use an independent third-party appraisal to determine the market value of your property at that time. Then you’ll pay us the same amount you would have paid if you had simply sold your home for its appraised value. All agreements that originated prior to this date must adhere to the Special Termination restriction period outlined in their individual agreements. If you are a current Unison homeowner with questions about your specific Special Termination guidelines, please reach out to our Home Partnership Team by calling 800-330-5800. The biggest difference between selling your home and buying us out is that Unison will not share in any loss in your home's value when you buy us out. (594 words)
- [Am I allowed to rent my property in the future?](/content/faqs/question/esa-renting/index.html): Typically, Unison only invests in owner-occupied property. Unison’s standard pricing is for owner-occupied properties; However, special pricing may be available for the non-owner occupied property. Pleasecontact usto discuss your particular context, as every situation is unique. (823 words)
- [Does Unison share in selling costs?](/content/faqs/question/esa-selling-costs/index.html): No. When you sell your home, you'll be responsible for those costs, just like you would for any other home sale. However, you should know that Unison's programs do not add any extra costs at the time you sell your home. (830 words)
- [In what situations would Unison not be the right option?](/content/faqs/question/esa-right-fit/index.html): A Unison equity sharing agreement is a unique home financing product that presents a great solution for some people, but it is not the right fit for everyone. First and foremost, Unison is designed for long-term use—a Unison agreement is not right for you unless you plan to stay in your home for at least five years. Many of the agreement’s best features, including Unison’s commitment to share in any loss of home value alongside you, only kick in after five years. For more information, please see the FAQ entry on the Unison “Restriction Period.” Unison equity sharing agreements are typically for homeowners who live in the home. Additionally, though a Unison agreement is not a loan, it is also not compatible with certain kinds of loans. Reverse mortgages, interest-only loans, shared appreciation loans, or any loan with a negative amortization feature won’t work alongside Unison. How the title to your home is held can also affect your eligibility. Typically, Unison can only offer equity sharing agreements to homeowners who hold their homes as individuals and joint tenants, not tenants-in-common or other forms of holding. Finally, Unison customers may experience constraints when attempting to refinance their mortgage once they have entered an equity sharing agreement with Unison. We recommend that customers who are interested in refinancing their home loan do so before choosing to work with Unison—please see the FAQ entry on refinancing for more information. Bottom line: Unison is unique, and so are you. If you're interested in learning whether you and your home qualify, please feel free to apply. (662 words)
- [What happens if I can't make my mortgage payments and default?](/content/faqs/question/esa-default/index.html): 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. (576 words)
- [How does Unison assess my property?](/content/faqs/question/esa-property-assessment/index.html): To evaluate your property, Unison will order an appraisal report and a home inspection report as well. (818 words)
- [What is a Deferred Maintenance Adjustment?](/content/faqs/question/esa-deferred-maintenance/index.html): When you partner with Unison, you agree to keep your home in good condition and do routine maintenance as needed. For example, you would be responsible for ensuring that there are no leaks in the roof, that interior and exterior paint is not chipped or cracked, that electrical outlets and heating or cooling systems are in good working order, in addition to all other maintenance. If you fail to do routine maintenance, that could affect the value of the home whenever you choose to sell it. In that case, Unison would use a Deferred Maintenance Adjustment to determine what the home’s value should have been. Unison’s share would then be calculated based on this adjusted sale price. (918 words)
- [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): Yes. Unison is not a loan; we are invested in your home alongside you, so we win and lose together. Though such cases are not common, with significant decline in your home’s value–something neither of us are looking for!–it is possible that the value of the agreement, and your ending amount due to Unison, would be $0. It’s this feature along with the absence of any monthly payments that distinguishes an equity sharing agreement from a loan. (497 words)
- [What happens when I decide to sell my home?](/content/faqs/question/esa-selling/index.html): You can sell your home at any time. (After all, it’s your home!) Whenever you choose to sell, you'll need to notify Unison and send us copies of certain documents related to the sale -- such as appraisals, inspections, title reports, etc. When your sale of the home closes, you will pay Unison the amount you owe us from the escrow. Since Unison's funding is not intended to be short-term financing, we cannot share any loss in the value of the home if you sell it within the restriction period. (894 words)
- [What percentage of the future change in the home’s value will Unison share?](/content/faqs/question/esa-sharing-percentage/index.html): 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. (532 words)
- [2022-home-equity-report/index.html](/content/2022-home-equity-report/index.html) (1,313 words)
- [How do I know if I can trust Unison?](/content/faqs/question/esa-trust/index.html): Founded in 2004, we are A+ rated with the Better Business Bureau, have been featured in USA Today, Forbes, and other publications. We have now helped over 10,000 people from 29 different states to liberate their equity and use it however they see fit. Moreover, we pride ourselves on our education process, which ensures that all our clients understand how a Unison equity sharing agreement works. Transparency and clear communication are amongst our core values. (475 words)
- [How does Unison affect my taxes?](/content/faqs/question/esa-taxes/index.html): Unison is not a tax advisor and does not provide tax advice. We always recommend that you consult with your tax advisor for personalized advice, and we are certainly happy to speak with him or her directly. We believe that under current tax law, a homeowner entering into a Unison equity sharing agreement should not have to pay taxes on the cash we provide. Please contact us if you have further questions. (473 words)
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- [California Privacy Notice | Unison](/content/legal/ca-privacy/index.html): Read about your privacy rights under the California Consumer Privacy Act (CCPA) and how to exercise them. (1,385 words)
- [What are the costs associated with Unison?](/content/faqs/question/esa-costs/index.html): For the Unison equity sharing agreement, Unison will deduct a 3.9% transaction fee from your agreement at closing. Additionally, you are responsible for third-party costs such as appraisal and settlement costs (including title, state taxes, and recording fees). Appraisal fees generally range from $450 to $1,250, home inspection fees typically range from $650 to $1,050 and settlement costs range from $700 to $1,750, depending on your area. Your exact costs will be provided to you prior to closing. In addition to our standard 3.90% transaction fee, customers who obtain an equity sharing agreement from Unison are responsible for the cost of their home inspection. (There is no home inspection fee for customers who choose not to work with Unison). If you happen to have a recent home inspection that meets standard criteria, let us know and Unison will consider using that one instead. If you choose not to work with Unison, you will not be responsible for any fees. Additionally, Unison pays any cost of credit reporting, as applicable. (646 words)
- [What kind of properties are eligible?](/content/faqs/question/esa-property-types/index.html): Our programs are currently designed to invest in your owner-occupied, primary residence. This can include single-family homes, townhouses, and condominiums. In some cases, we invest in second homes or rentals, and are happy to have you give us a call to see if your home or property qualifies. Properties held in certain trusts and LLCs may not be eligible. Prior to partnering with us, you can input your address – with no obligation – to see if your property qualifies. Simply clickhereto get pre-qualified. (485 words)
- [7 Reasons 2026 Could Be the Year to Put Your Home Equity To Work](/content/blog/housing-market-outlook-2026/index.html): Explore the 2026 housing market, rising rates, and home equity strategies. Learn when to move, refinance, or consider alternatives like equity sharing. (1,012 words)
- [What happens if I get behind on home mainenance?](/content/faqs/question/esa-maintenance/index.html): During the term of your agreement with Unison, you are required to maintain your property in good condition, subject to normal wear-and-tear. If you do not, when the agreement ends the value of your property will most likely be less than it would have been if it had been properly maintained, and this would not be fair to Unison. When this is the case, a Deferred Maintenance Adjustment may apply when performing the settlement calculations. Since the loss in value would be due to your failure to maintain the property, the Deferred Maintenance Adjustment allocates all of the loss in value due to improper maintenance to you, so that Unison does not share in it. One or more appraisals, inspections or repair estimates obtained from independent third-party providers are used to determine the amount of the Deferred Maintenance Adjustment. Unison is committed to a fair process to determine the amount of the Deferred Maintenance Adjustment. In a rare instance in which we are unable to agree in good faith on the amount, the issue will be determined through arbitration. More detail about the Deferred Maintenance Adjustment can be found in theUnison HomeOwner Program Guide. (596 words)
- [What is an Equity Sharing Agreement?](/content/faqs/question/esa-overview/index.html): Traditionally, accessing your equity meant taking out a loan that required monthly payments and added debt. Unison offers another way to do this by investing alongside you, providing you with a cash payment today in exchange for an option to share in your home’s future change in value. If the house goes up in value, we both win. If it goes down in value, Unison shares in the loss. At the outset of your agreement with Unison, we’ll determine a starting value for your home by getting an independent appraisal, and then applying a 5.0% Risk Adjustment. Then we unlock your equity, giving you money which you are free to use however you want for up to 30 years. (525 words)
- [Does Unison benefit from the equity that is built as I pay down my mortgage?](/content/faqs/question/esa-mortgage-paydown/index.html): No! The equity you build with your monthly payments belongs to you. We only share in the change in the value of the home over time. For example, if the Original Agreed Value of your home is $500,000 and you sell it ten years later for $600,000, we will share a percentage of the $100,000 change in value. (868 words)
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- [Do you have to check my credit? When does that happen?](/content/faqs/question/esa-credit-check/index.html): Yes. However, this does not impact your credit score. As part of our qualification process, we use what's known as a "soft" credit pull to access your credit report. It does not affect your credit score. This usually happens when you submit the application. If you don’t qualify for a Unison equity sharing agreement you will receive an “adverse action” letter from us explaining that decision, and that letter may reference information found in your credit report. However, this never means that we have used a “hard” credit pull, and your credit will not be affected. Also, over the lifetime of our agreement, we will use soft credit pulls to ensure that you are continuing to meet the terms of our agreement. Again, this will not affect your credit score. (529 words)
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- [What is the "restriction period"? Can I sell my home at any time?](/content/faqs/question/esa-restriction-period/index.html): Since your home is yours, you are always free to sell it at any time during your agreement with us. However, Unison equity sharing agreements have a restriction period during which some features will not be available. 1. Sharing in the losses if you sell:In the case you wish to move in the first five years, the transaction would proceed as usual except if the home’s value has gone down. During the restriction period, Unison does not share in a decrease of value - meaning the Ending Agreed Value for your property will be at least equal to the Original Appraised Property Value, even if your property value has decreased since the start of your agreement. Thus, at a minimum, you’ll have to pay the Initial Payment (together with any amounts attributed to the Risk Adjustment) 2. Remodeling Adjustment: Unison will not share in the value you add via remodeling projects. However, you are eligible for a remodeling adjustment only after the third anniversary of your Unison agreement. (568 words)
- [If I choose a Unison equity sharing agreement, can I still refinance in the future?](/content/faqs/question/esa-refinancing/index.html): You can refinance, but there are restrictions. If you have an existing mortgage or if you obtain a new one, your Unison agreement will be a form of subordinate financing. It’s likely thatsome mortgage lenders will decline to provide new loans to you because you have subordinate financing from Unison. In particular, lenders that make loans conforming to Fannie Mae/Freddie Mac guidelines may decline your application, as these guidelines do not allow subordinate financing that shares in equity or home appreciation. If you are considering refinancing your mortgage in the near future, you may wish to do so before taking out a Unison equity sharing agreement. Also, it is important to understand that, as part of the agreement, we will set something called the Maximum Authorized Debt Limit. This is a limit to the total amount of debt secured by your house. This limit is set based on your home value and financial situation at the time of your agreement. It is afixed amountand does not adjust upwards as your home appreciates in value. If you need another loan secured by your home while you’re part of our agreement, you must stay under your Maximum Authorized Debt limit. The Unison agreement itself does not count towards the limit – remember, our program is not debt! (619 words)
- [What do I need in order to qualify for a Unison equity sharing agreement?](/content/faqs/question/esa-qualification/index.html): Generally speaking, applicants need a mid-FICO score of at least 620. Depending on credit score, loan-to-value (LTV) and debt-to-income (DTI) guidelines vary. Applicants with excellent credit can have a maximum LTV of 70%. The allowable LTV and DTI goes down as credit score goes down. In order for us to evaluate your specific situation, we would need you to submit an application. (462 words)
- [What if something happens to me during my agreement?](/content/faqs/question/esa-death/index.html): If you pass away during the term of your agreement and you are not survived by anyone else who is on the agreement, then your heirs or estate will be required to settle the Unison agreement, after a 180-day grace period. Since your home does not automatically pass to heirs who are not signatories to the agreement, it’s important that you discuss your decision to enter into the Unison agreement with your heirs so that they understand the effect it could have on your estate. (493 words)
- [How much funding is available?](/content/faqs/question/esa-funding-amount/index.html): The most we can invest in a single home is $500,000, but most of our equity sharing agreements are less than that. Via an equity sharing agreement, we can provide up to 15% of the value of your home by tapping into your existing home equity. Unison’s minimum investment size is $30,000. Of course, the amount we can invest depends on your unique situation. Pleasestart an applicationto find out exactly how much we can provide you. (479 words)
- [What is the Risk Adjustment and how does Unison determine my home’s starting value?](/content/faqs/question/esa-risk-adjustment/index.html): If both you and Unison accept the value from your appraisal, we will then reduce that value by a 5.0% Risk Adjustment. The resulting value is called the Original Agreed Value. This 5.0% adjustment to your home’s appraised value helps account for the uncertainty inherent in the appraisal process. It also allows Unison to deliver your funds faster and without the added costs of multiple appraisals. Original Agreed Value = Appraised Value - 5.0% For example, if your home has an appraised value of $500,000, your Original Agreed Value will equal $475,000. (289 words)
- [Where does Unison’s funding come from? Who are your investors?](/content/faqs/question/esa-funding-source/index.html): We seek “patient capital” content to invest in your home for up to 30 years with no monthly payments. Our funding primarily comes from institutional investors, including pension funds and university endowments. (817 words)
- [Will Unison share in the value of my home improvements?](/content/faqs/question/esa-home-improvements/index.html): We believe that if you make improvements to your home (beyond regular maintenance) that boost its value, you should get all the benefits. That’s why we use a tool called a Remodeling Adjustment. To qualify for a Remodeling Adjustment, you need to work with licensed contractors and fully document the project. We then use an independent appraiser to determine how the work changed the value of your home, making sure you receive full benefits. Keep in mind that some renovations add more value than others and some don’t add any new value at all. Whenever you are thinking about a project it is always a good first step to reach out to our team. It’s important to note that the Remodeling Adjustment doesn’t apply if you end the agreement in the first three years. (535 words)
- [U.S. Homeowners Sitting on Enormous Untapped Equity, Residential Equity-Sharing Leader Unison Highlights in 2022 Home Equity Report | Unison](/content/press/2022-home-equity-report-press/index.html): The report notes that U.S. households currently hold over $29 trillion in untapped equity and highlights how homeowners may want to consider putting their assets to use. (357 words)
- [Home Equity Articles | Unison Blog](/content/blog-topic/home-equity/index.html): Explore expert articles on Home Equity. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (188 words)
- [Homeownership Articles | Unison Blog](/content/blog-topic/homeownership/index.html): Explore expert articles on Homeownership. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (294 words)
- [If I partner with Unison, who owns the home?](/content/faqs/question/esa-home-ownership/index.html): You own the home! You control the property and receive the benefits of home ownership, such as occupancy rights and income tax deductions. Unison is not an owner and has no rights of occupancy. Rather, we share a portion of the future change in value of the home, as an investor. We secure our investment without becoming in any way co-owners of your home. (472 words)
- [What happens if there is a foreclosure?](/content/faqs/question/esa-foreclosure/index.html): Because we want the best for our shared investment, we see foreclosure as a last resort. Should this become your situation, we ask that you contact us immediately so that we can connect you to relevant resources and strategize together on the best course of action for you and your home. (458 words)
- [Electronic Communications and Signatures Consent | Unison](/content/legal/e-consent/index.html): Our agreement with you to transmit notices electronically and use digital signatures instead of paper documents. (1,076 words)
- [Why does Unison require a home appraisal and is it accurate?](/content/faqs/question/esa-appraisal/index.html): A home appraisal is a report from a qualified professional that estimates the value of a home. When you buy a home, you will usually hire an appraiser to visit the home, review its condition and characteristics, find comparable properties that have recently sold in the area, and provide both you and the seller of the home with a fair estimate of its value. At Unison, we require home appraisals to provide an accurate valuation for your equity sharing agreement. To obtain an unbiased valuation, we use Appraisal Management Companies (AMCs). AMCs are far-and-away the preferred means for obtaining appraisals in real estate transactions. They provide a “firewall” between financial institutions and appraisers, as required by federal guidelines. Please also note that the appraisal may return a value in which Unison is unable to invest. In those cases a Unison equity sharing agreement may not be available for you. Note: after an AMC provides appraised value for your home, Unison applies a 5.0% Risk Adjustment to account for appraisal uncertainty, and to deliver your funds more quickly. Costs of Appraisals: In addition to our standard 3.9% transaction fee, customers who obtain an equity sharing agreement from Unison are responsible for the cost of their home appraisal. (There is no appraisal fee for customers who choose not to work with Unison). If you happen to have a recent appraisal that meets standard criteria, let us know and Unison will consider using that one instead. (655 words)
- [How is Unison's profit or loss calculated upon sale?](/content/faqs/question/esa-profit-calculation/index.html): When you sell your home, you'll need to pay us the original amount that we shared with you, plus or minus our percentage of your home's change in value. Unison's percentage depends on how much we invested in your home at the outset. If you choose to buy us out instead, we'll use an independent third-party appraisal to determine the fair market value of your property at the time. If you buy us out, Unison does not share in any decrease in your home's value. (484 words)
- [What is the Owner Occupancy Requirement?](/content/faqs/question/esa-occupancy/index.html): Unison's equity sharing agreements are typically for homeowners who live in the home. In order for your home to qualify as an owner-occupied property, you must live in the home for at least 180 days out of every 365-day period and must never be away from your home for 60 consecutive days. Unison does not generally invest in rental properties because they frequently suffer more wear and tear than owner-occupied homes, and therefore carry additional risk. (477 words)
- [Unison Basics Articles | Unison Blog](/content/blog-topic/unison-basics/index.html): Explore expert articles on Unison Basics. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (197 words)
- [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): To balance the investment return while Unison does not share in a decrease in property value, Unison places a limit on the maximum return on Unison’s equity investment if you end the agreement during the restriction period. This is called the Equity Appreciation Limit. During the first 12 months of the agreement, the limit is a fixed percentage. After the first 12 months of the agreement, the limit is compounded monthly (including partial months) on top of the fixed percentage. The Equity Appreciation Limit does not apply after the restriction period. (490 words)
- [2024 Home Equity Report](/content/blog/home-equity-report-2024/index.html): US home equity has reached record highs. Read our 2024 report to see how your state compares and how to unlock that value without a loan through Unison’s no-monthly-payment Equity Sharing Agreement. (751 words)
- [Who decides when our partnership ends? Can you force me to sell my house?](/content/faqs/question/esa-partnership-end/index.html): You always remain the sole owner of your property and can decide to sell your home at any time. After 30 years, you will need to either buy out Unison’s investment or sell the home. If you ever find yourself unable to make your mortgage payments, Unison may work with you to find a resolution that is best for everyone, which could include the sale of your home. (481 words)
- [Financial Health Articles | Unison Blog](/content/blog-topic/financial-health/index.html): Explore expert articles on Financial Health. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (264 words)
- [Unison expands with a new office in Omaha, Nebraska | Unison](/content/press/unison-expands-new-office-omaha-nebraska/index.html): Growing fintech hires new VP of Operations to join President at second location (564 words)
- [Equity Sharing in California: A Practical Guide for Bay Area Homeowners](/content/blog/equity-sharing-california-bay-area-guide/index.html): A clear, honest guide to equity sharing in California. Learn how Bay Area homeowners use Unison’s equity sharing options to access equity without new monthly debt. (1,393 words)
- [Residential Moving Trends During the Pandemic](/content/blog/unison-nyc-suburbs-moving/index.html): Unison looks into moving trends during COVID-19, specifically from Manhattan to the NYC suburbs. (1,337 words)
- [How To Fund Home Renovations in 2026 (Without Draining Your Savings)](/content/blog/fund-home-renovations-without-draining-savings/index.html): Renovation costs are rising in 2026. Learn how to fund home improvements without draining your savings and explore flexible options that protect your cash flow. (1,430 words)
- [Inman Awards Unison with Inman Best of Proptech Award in Alternative Financing | Unison](/content/press/thomas-sponholtz-best-of-inman-proptech-2024/index.html): Unison, the pioneer of equity sharing agreements, today announced that Inman awarded the 2024 Inman Best of Proptech Award in the category of Alternative Financing to Unison CEO and Chairman Thomas Sponholtz. (205 words)
- [Climate Change Impact on Home Value](/content/blog/climate-change/index.html): Rising temperatures, extreme weather, and rising sea levels can impact your home’s prices. Here are simple tips to help protect you and your family financially. (1,337 words)
- [Who is Unison?](/content/faqs/question/esa-about-unison/index.html): Unison is a San Francisco and Omaha-based company founded in 2004. We’ve been pioneering smarter ways to own a home and now homeowners have access to funding that is not tied to monthly payments or interest charges. With Unison equity sharing agreements, we unlock the equity in your home, allowing you to use the money however you see fit–with no payments to us for up to 30 years. Making this possible is a team of financial and real estate professionals who are committed to re-inventing homeownership to give Americans more opportunity and flexibility when it comes to owning a home. We’ve helped over 10,000 homeowners optimize homeownership. (509 words)
- [What is Unison’s business model?](/content/faqs/question/esa-business-model/index.html): Unison has pioneered a smarter, better way to own your home with the equity sharing agreement. Until now, the main way to access your equity was to add on more debt. We provide homeowners an alternative by converting a portion of their existing home equity to cash without monthly payments. By sharing in the gains only if the home goes up in value, we strive to align with the interests of our homeowners and win together. (475 words)
- [How long is the term and what happens at the end?](/content/faqs/question/esa-agreement-end/index.html): You can use the funds provided by Unison for up to 30 years. After 30 years, you will need to either sell your home or buy us out. If you’re interested in buying Unison out of the agreement, please review the “Can I buy out Unisons’s investment in my home?” section of this FAQ for more information. In some cases, after 30 years it might be possible to refinance your home and use the proceeds to buy out Unison's investment. However, there is no guarantee that this option will be available. (529 words)
- [In which states are Equity Sharing Agreements available?](/content/faqs/question/esa-available-states/index.html): Unison equity sharing agreements are currently available in these states: Arizona, California, District of Columbia, Delaware, Florida, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Wisconsin. We’re constantly working to bring Unison to more people. Check back later or let us know if you’d like to be contacted when your state is available. (472 words)
- [The Best Ways to Access Home Equity in 2026](/content/blog/the-best-ways-to-access-home-equity-in-2026/index.html): Exploring the best ways to access home equity in 2026? Compare refinancing, HELOCs, loans, and equity sharing to find the right option for your needs. (1,063 words)
- [What’s a Good Interest Rate for a Savings Account?](/content/blog/savings-account-rate-breakdown/index.html): Wondering if you’re getting a good savings account rate? See current benchmarks, how they compare to inflation, and explore potentially smarter ways to grow your money. (857 words)
- [Renovate Home or Move](/content/blog/renovate-house/index.html): Questions to answer if you're thinking of moving or renovating your home (1,025 words)
- [What will you do? | Unison](/content/what-will-you-do/index.html): Plug in your home address to get an instant estimate. Access debt-free home equity and access cash from your best investment, without selling. (624 words)
- [Success Story Articles | Unison Blog](/content/blog-topic/success-stories/index.html): Explore expert articles on Success Story. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (64 words)
- [Home Renovation Funding Options](/content/blog/unison-renovation-tips/index.html): Learn about your available options for funding your home improvement projects, and answer the question: should you renovate your home or move? (931 words)
- [How to Invest in a Second Property | Part 2: Financing & Strategy](/content/blog/how-to-invest-in-a-second-property-part-2/index.html): Learn how to fund, purchase, and manage your second property — plus how flexible, equity-based solutions like those from Unison can help maximize your investment. (784 words)
- [Do You Have to Pay Taxes on a Side Hustle? What to Should Know](/content/blog/side-hustle-taxes-guide/index.html): Wondering if your side hustle income is taxable? Learn how to pay taxes, when to file, and when to get help as your side hustle grows. (742 words)
- [Compare Articles | Unison Blog](/content/blog-topic/compare/index.html): Explore expert articles on Compare. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (43 words)
- [Winter Home Maintenance Checklist: Protect Your Home During the Coldest Months](/content/blog/winter-home-maintenance-checklist/index.html): Stay warm and worry-free this winter with key home maintenance tasks that protect your property, lower energy bills, and prevent costly damage. (588 words)
- [Equity Sharing in Nevada: Guide for Las Vegas Homeowners](/content/blog/equity-sharing-nevada-guide/index.html): A clear, honest guide to equity sharing in Nevada. Learn how Las Vegas-area homeowners use Unison’s equity sharing options to access equity with zero payments & zero interest. (1,366 words)
- [Frequently Asked Questions | Unison](/content/faqs/index.html): Find answers to common questions about Unison's Equity Sharing Agreement (ESA). (479 words)
- [How to Invest in a Second Property | Part 1: When (& Why) Should You Invest?](/content/blog/how-to-invest-in-a-second-property-part-1/index.html): Thinking about buying a second home? Learn how to decide whether it’s the right time – and the right investment – in Part 1 of our second property guide. (1,057 words)
- [Do I Need Fire Insurance?](/content/blog/fire-insurance-questions-california/index.html): The need for fire insurance varies depending on your location and situation, but with the risk of wildfires becoming increasingly relevant, so does the need for this specific home coverage. (826 words)
- [How It Works | Access Home Equity with Unison](/content/how-it-works/index.html): Interested in accessing your home equity, debt-free? Unison connects homeowners and co-investors to turn equity into cash and share in your home's future value. (498 words)
- [Financially Help Your Children (Without Sacrificing Your Plans)](/content/blog/financially-help-your-children/index.html): Find ways to financially help your children, without sacrificing your own finances or retirement plans. (1,028 words)
- [Smart Home Upgrades: Are They Worth It?](/content/blog/smart-home-upgrades-are-they-worth-it/index.html): Explore which smart home upgrades add real value, which you can test without commitment, and which tech trends may not be worth the hype. (705 words)
- [What Is Mortgage Refinancing & How Does Refinancing Work?](/content/blog/refinancing-tips/index.html): Home refinancing works by switching your mortgage for one with lower interest rates and more favorable terms. Learn what to expect in a refinancing process! (768 words)
- [Credit Use Authorization | Unison](/content/legal/credit-use/index.html): Authorization for us to obtain and use your credit information for pre-qualification and application underwriting. (819 words)
- [The State of the American Homeowner](/content/blog/state-of-the-american-homeowner/index.html): Learn how to maximize your investment. Unison’s State of the American Homeowner shows a home’s changing role in an investment portfolio. (738 words)
- [Use Your Home’s Equity Without Taking on a Loan](/content/blog/home-equity-without-loan/index.html): High rates and monthly bills making borrowing stressful? Learn how Unison’s equity sharing agreement lets you access equity without a loan. (802 words)
- [How Bay Area Homeowners Can Reset a Second Mortgage With Equity Sharing](/content/blog/bay-area-second-mortgage-relief-equity-sharing/index.html): Feeling stuck with a second mortgage or HELOC in the Bay Area? Learn how equity sharing offers cash upfront, no monthly payments, and an innovative way to reset your finances. (1,033 words)
- [Predictable Financial Mistakes of HomeOwners](/content/blog/unison-homebuyer-advice-economist/index.html): Professor of finance shares his suggestions for avoiding common mistakes when buying a home. (771 words)
- [How Bad Is It To Buy A Home “As-Is”?](/content/blog/buying-home-as-is/index.html): Considering buying a home “as-is”? Learn what it really means, the risks involved, and the essential steps you should take before moving forward. (1,214 words)
- [What Is the Fed & Who Controls Interest Rates? A Simple Breakdown](/content/blog/what-is-the-fed-who-controls-interest-rates/index.html): What is the Federal Reserve? Who controls interest rates — and why do they change? Get clear answers and tips to stay financially prepared, no matter the market. (678 words)
- [How Much Should I Budget for Home Repairs and Renovations?](/content/blog/how-much-to-budget-for-home-repairs-and-renovations.html): Learn how much to budget for home repairs and renovations over the lifetime of a home. See annual and monthly averages, regional differences, and smart ways to plan. (763 words)
- [2026 Re-Fi Reality Check: Why Homeowners Skip Cash-Out Refinancing](/content/blog/2026-refinance-reality-check/index.html): Mortgage rates are still high in 2026. Learn why homeowners are skipping cash-out refinancing & what equity alternatives make more sense in today’s market. (1,086 words)
- [Unison Dream Home Contest Winners](/content/blog/dream-home-contest-winners/index.html): Our Dream Home Contest asked potential homebuyers to share their stories with the world to compete for a $25,000 prize to be used toward the purchase of a new home. (1,235 words)
- [Home Equity Investment (HEI) Guide: 5 Questions to Ask Before You Sign](/content/blog/home-equity-investment-guide/index.html): Thinking about a Home Equity Investment? Learn the 5 most important questions to ask HEI providers, including how risk adjustments can dramatically impact what you repay. (861 words)
- [Use Your Home’s Equity for Debt Relief in California](/content/blog/use-california-home-equity-for-debt-relief/index.html): California homeowners: Learn how Unison’s equity sharing agreement can help pay down debt without adding a new monthly payment. (724 words)
- [Fund Your Business Investment With Home Equity](/content/blog/fund-business-with-equity-sharing/index.html): Learn how one homeowner accessed $60,000 to start a business using an Equity Sharing Agreement without new monthly loan payments. (688 words)
- [Maintenance Tips to Improve Equity](/content/blog/home-maintenance/index.html): Get a checklist of home maintenance steps that will protect your home. Find out how to preserve and grow your home equity. (764 words)
- [Can Retirees, Self-Employed, or Disabled Individuals Qualify for a HELOC?](/content/blog/heloc-eligibility-retired-self-employed-disability/index.html): Discover how retirees, self-employed, and disabled individuals can qualify for a HELOC. Learn about income verification, alternative options, and tips for approval. (798 words)
- [What to Do When Interest Rates Drop](/content/blog/what-do-i-do-when-interest-rates-drop/index.html): Discover how falling interest rates can benefit current and future homeowners. Learn about refinancing, strategic home buying, equity sharing, and more to optimize your financial health. (510 words)
- [Homeowner's Guide to Unison Equity Sharing Basics](/content/blog/homeowners-guide-equity-sharing-basics/index.html): Learn how a Equity Sharing Agreement can help you access home value without monthly payments or interest. Discover a new way to fund your life goals. (521 words)
- [What Is a Home Improvement Loan? Financing Options Explained](/content/blog/what-is-a-home-improvement-loan/index.html): Wondering what a home improvement loan really is? Learn about the different ways to finance renovations, from personal loans to HELOCs and home equity loans. (610 words)
- [How Can I Lower My Monthly Debt Costs?](/content/blog/lower-monthly-debt-costs-equity-sharing/index.html): Learn how an Equity Sharing Agreement may help you manage high-interest debt and improve your financial flexibility with no monthly payments. (559 words)
- [How to Navigate Retirement During the Pandemic](/content/blog/retirement-2020-equity-reverse/index.html): Tips on how to navigate retirement in the pandemic era, how to age in place with the ability to live in one’s home comfortably, regardless of age, income or ability level. (557 words)
- [Parental Spend Gap](/content/blog/mothers-help-kids-financially/index.html): Effects on mothers who help their adult children financially (537 words)
- [Asian Americans, Pacific Islanders, and the Homeownership Race Gap](/content/blog/aapi-homeownership/index.html): Asian American & Pacific Islanders are often excluded from conversations on housing inequality & the homeownership race gap. Find out how this happens, & why it’s a problem. (991 words)
- [How Does a Home Equity Investment Work? Inside Our Equity Sharing Agreement](/content/blog/home-equity-investment-equity-sharing-agreement/index.html): Looking for a Home Equity Investment (HEI)? Learn how our Equity Sharing Agreement (ESA) unlocks your home equity with no monthly payments. (833 words)
- [7 Smart Home Upgrades That Add Real Convenience & Value](/content/blog/7-smart-home-upgrades-that-add-real-convenience-value.html): Looking to make your home smarter? Discover practical smart home upgrades that save time, add convenience, and increase value – without the frustration or high costs of unnecessary gadgets. (963 words)
- [Home Renovation Case Study: Funding Without Loans](/content/blog/home-renovation-equity-sharing-story/index.html): See how one homeowner used an Equity Sharing Agreement to fund a $50,000 renovation without adding new monthly loan payments. (606 words)
- [Using Equity for Home Improvements](/content/blog/home-improvement-renovation-home-equity/index.html): Your home is a major investment, but it's also one in which you live, work, and make memories. Using home equity to make home improvements, without debt, is often a win-win investment. (901 words)
- [2026 Home Renovation Outlook: Funding Projects Without Refinancing](/content/blog/2026-home-renovation-funding-options/index.html): Home renovations are on the rise in 2026 — but many homeowners aren’t refinancing to fund them. Explore renovation trends & smarter ways to fund them. (1,050 words)
- [How to Manage Risk and Volatility as a Home Owner](/content/blog/managing-volatility-risk/index.html): Learn how to manage the volatility risk of homeownership. Understand market fluctuations and protect your investment with Unison's insights. (493 words)
- [Best Renovations to Boost Home Value: 6 Smart Upgrades That Pay Off](/content/blog/best-renovations-to-boost-home-value/index.html): Discover the best renovations to boost home value – from kitchens and bathrooms, to outdoor living and energy-efficient upgrades. Smart ideas for real returns! (795 words)
- [A Smarter Equity Loan Alternative | Home Equity Calculator | Unison® Equity Sharing](/content/equity-loan-alternative/index.html): Don’t turn to an equity loan and sign up for more debt and more monthly payments. Discover home equity sharing with Unison, interest-free and stress-free. (410 words)
- [Equity Sharing Agreements: A Clear, Honest Guide for Homeowners](/content/blog/equity-sharing-agreement-guide/index.html): Learn how Equity Sharing Agreements work, who they’re right for, and how they compare to other home equity options. Access your equity without adding debt. (844 words)
- [Welcome to Omaha | Unison Equity Sharing](/content/omaha-office/index.html): Unison opens its second location in the city of Omaha, Nebraska. (439 words)
- [Unison Delivers a Gift – and Housing Awareness – to the Bay Area, with 'The Welcome Tower'](/content/blog/welcome-tower/index.html): The Welcome Tower is a collaborative piece by the Bay Area arts community. Unison is the sole funder commissioning this art piece and hopes this installation will bring awareness to the challenges facing communities in the bay area. (324 words)
- [Case Study: Using Home Equity for Medical Emergencies](/content/blog/medical-emergency-equity-sharing-story/index.html): Read how one homeowner used an Equity Sharing Agreement to cover $40,000 in medical bills without the stress of monthly loan payments. (536 words)
- [Homeowner Resource Center | Unison Equity Sharing](/content/homeowner-resources/index.html): Homeowner Resource Center (1,063 words)
- [2026 Housing Market Outlook: What Homeowners Should Watch](/content/blog/2026-housing-market-outlook-what-homeowners-should-watch-for.html): Explore the 2026 housing market, rising rates, and home equity strategies. Learn when to move, refinance, or consider alternatives like equity sharing. (1,056 words)
- [Unison Equity Sharing: Understanding OAV, EAV & Home Value](/content/blog/unison-equity-sharing-guide-establishing-home-value.html): Learn how Unison determines your home’s value through OAV and EAV. Our guide covers appraisals, risk adjustments, and closing fees for equity sharing. (425 words)
- [Home Owner Success Stories | Unison Equity Sharing](/content/success-stories/index.html): Read our customer success stories and how their Unison home equity sharing agreement funded their future. Get inspiration on how to use your home equity today! (1,004 words)
- [Big Ticket Renovations Worth Doing | High-ROI Home Improvements](/content/blog/big-ticket-renovations-worth-doing/index.html): Dreaming of a major home upgrade? Discover which big-ticket renovations are worth doing, how much they cost, and how to finance them smartly with Unison. (943 words)
- [The Hidden Risks of Credit Cards with 0% APR Promotions](/content/blog/risks-of-0-apr-credit-cards/index.html): Credit cards with 0% APR promotions seem like a great deal if you're searching for a mechanism for debt consolidation. But there can be some risks, too. This article delves into the details. (455 words)
- [Consolidating Debt in 2026? Homeowners Have a Smarter Way](/content/blog/debt-consolidation-options-2026/index.html): High-interest debt is squeezing homeowners in 2026. Learn how to consolidate debt using home equity—without refinancing or adding another monthly payment. (904 words)
- [Best Home Improvements to Make Before Selling](/content/blog/best-home-improvements-to-make-before-selling/index.html): Get your home market-ready with small updates that pay off. Discover the best pre-listing home improvements to boost value and attract buyers. (668 words)
- [Freshen Up Your Finances](/content/blog/newyear-homeowner-tips/index.html): New Year, New Portfolio. A new year is a new opportunity to take a holistic look at your finances, investments, and risks, and consider where your home fits into the equation. (458 words)
- [HELOC Alternative | Unison Equity Sharing](/content/heloc-alternative/index.html): Discover a HELOC alternative. Home equity sharing with Unison converts your equity into cash. No monthly payment, no interest and no additional debt. (409 words)
- [How Home Value Changes Affect Your Unison Agreement](/content/blog/how-we-share-home-value-changes/index.html): Learn how we share in the ups and downs of your home's value. Discover how an Equity Sharing Agreement works when it is time to sell or finish your term. (416 words)
- [HELOC Alternatives to Access Equity From Your Home](/content/blog/best-fit-for-heloc-and-alternatives/index.html): A HELOC can be right for people in a certain situation. But it's important to know that there are alternatives out there. (661 words)
- [10 Common Home-Buying Mistakes to Avoid (and What to Do Instead)](/content/blog/common-home-buying-mistakes/index.html): Learn about the most common home-buying mistakes and how to avoid them. From budgeting to inspections, set yourself up for a smooth path to ownership. (691 words)
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- [Funding Education: Use Your Home Equity Instead of Loans](/content/blog/fund-education-with-equity-sharing/index.html): See how one homeowner accessed $55,000 for college tuition using an Equity Sharing Agreement with no monthly payments. (536 words)
- [Access Your Home Equity | Unison Equity Sharing](/content/home-equity/index.html): With Unison, you can access your home equity today in exchange for a portion of your home’s future change in value. No monthly payments, no interest, ever. (402 words)
- [How Does a Unison Equity Sharing Agreement End?](/content/blog/how-equity-sharing-agreement-ends/index.html): Learn about the four ways a Unison Equity Sharing Agreement can end, including selling your home or choosing a buyout. (251 words)
- [Unison](/content/contact/message-sent/index.html): Unison | A smarter way to unlock home equity, today (9 words)
- [Unison | Careers](/content/careers/index.html): Looking for a career in financial technology? Browse Unison's latest job openings. (686 words)
- [Simple Rules for Your Unison Equity Sharing Agreement](/content/blog/equity-sharing-agreement-homeowner-responsibilities.html): Learn about your roles in an Equity Sharing Agreement. We help you keep your home safe while you access your cash. (246 words)
- [Unison on Forbes Council: 7 Ways to Tap Into Your Home's Equity](/content/blog/forbes-ways-to-tap-equity/index.html): Our Chief Investment Officer recently published an article as a member of Forbes Finance Council: "7 Ways to Tap Into Your Home's Equity." (96 words)
- [Debt Consolidation: Using Home Equity Without a Loan](/content/blog/debt-consolidation-equity-sharing-story/index.html): See how one homeowner used an Equity Sharing Agreement to pay off $45,000 in credit card debt without adding new monthly interest or payments. (491 words)
- [VIU](/content/partners/viu/index.html): VIU (736 words)
- [Reverse Mortgage Alternative | Unison Equity Sharing](/content/reverse-mortgage-alternative/index.html): Don’t sign up for more debt with a reverse mortgage. Discover the power of equity sharing with Unison. (362 words)
- [Access your home equity with Unison](/content/mail-offer/index.html): Enter your Unison offer code (352 words)
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- [Top 5 Myths About Starting a Business (and What’s Actually True)](/content/blog/business-ownership-myths/index.html): Think owning a business is too risky or too expensive? Bust the top 5 myths and learn why starting a business might be more doable than you think. (464 words)
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- [Opt Out of Receiving Direct Mailers | Unison Equity Sharing](/content/contact/opt-out/index.html): Get in touch with our team to opt out of receiving future direct mailers from Unison. (106 words)
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- [Fund Home Improvements | Unison® Home Equity Sharing](/content/home-improvement/index.html): Free up cash for your home improvements, without debt, interest, or monthly payments. Discover equity sharing with Unison, trusted by thousands of customers. (351 words)
- [Success Stories | Meet Our Unison HomeOwners](/content/success-stories-test-page/index.html): In over 15 years of business, Unison has partnered with thousands of American families to help defeat debt, fund retirements, and much, much more. (102 words)
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- [Homeowner Equity Sharing Agreement | Unison](/content/esa/index.html): Access up to $500k in home equity cash with no monthly payments. Share in your home's future value change when you sell. (222 words)
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- [Partner with Us | Unison Equity Sharing](/content/contact/partnership/index.html): Are you or your business interested in partnering with Unison? Fill out the form to get in touch with a member of our partnership team today! (60 words)
- [General Support Team - Contact Us | Unison Equity Sharing](/content/contact/other/index.html): Unison's general support team is here to help you with questions about our equity agreement, to guide you through the application process, & more! (66 words)
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- [MyUnison Customer Portal | Unison Equity Sharing](/content/contact/agreement/index.html): Unison home equity sharing experts are here to help you with any questions that come up throughout the life of your home equity sharing agreement. (136 words)
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- [What Happens if You Miss a Mortgage Payment?](/content/blog/what-happens-after-late-mortgage-payment/index.html): Worried about late mortgage payment consequences? Missed mortgage payments lower credit and can lead to foreclosure. Here’s what to do if you forget to pay! (2,684 words)
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- [Alternative to Home Equity Loan for Business | Unison Equity Sharing](/content/big-idea/index.html): Need ways to fund your business? Unison's debt-free home equity agreement can help you buy or grow a company without monthly payments. Get a free estimate! (341 words)
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- [How to Get a "No PMI" Mortgage Loan](/content/blog/how-to-get-mortgage-loan-with-no-pmi/index.html): Learn about your available alternatives to Private Mortgage Insurance (PMI). While PMI enables you to buy a home with less than 20% down, but also adds to your monthly payment even though it’s for the benefit of the lender. (1,003 words)
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- [About Us | Unison](/content/about-us/index.html): Get a low payment, fixed-rate home equity loan without refinancing your mortgage. (1,177 words)
- [How Long Does It Take to Get a HELOC?](/content/blog/home-equity-loan-heloc-application-approval-process.html): If you're looking into a HELOC, there's probably a bit of a time crunch to get funds freed up. While a HELOC can move quickly, it's typically a bit of a process. Read on for more. (1,728 words)
- [Steps to Buying a House](/content/blog/steps-to-buying-a-home/index.html): From getting a mortgage to getting the keys, we walk you through all the major steps of buying a house. (2,259 words)
- [Unison Basics Articles | Unison Blog](/content/blog/topic/unison-basics/index.html): Explore expert articles on Unison Basics. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (197 words)
- [How to Take Equity Out of Your Home | Unison Equity Sharing](/content/access-equity/index.html): Can you pull equity out of your home without refinancing? With Unison's shared equity agreement, you can take equity out of your home debt-free. Apply now. (246 words)
- [Best Ways to Pay off Debt Using Home Equity | Unison Equity Sharing](/content/debt-free/index.html): Want a home equity loan for debt consolidation? Unison's alternative to home equity loans lets you pay off debt without adding monthly payments or interest. (405 words)
- [Best Ways to Pay off Debt Using Home Equity | Unison Equity Sharing](/content/debt-free-2/index.html): Want a home equity loan for debt consolidation? Unison's alternative to home equity loans lets you pay off debt without adding monthly payments or interest. (403 words)
- [What Is a HELOC & How It Works](/content/blog/how-does-a-heloc-work/index.html): You want to extract the equity from your home and wonder, what is a HELOC? To learn more about how HELOCs work, read on! (1,937 words)
- [Access your home equity with Unison](/content/purchase/index.html): Unison | A smarter way to unlock home equity, today (272 words)
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- [Pros & Cons: Renting vs Owning](/content/blog/renting-vs-owning/index.html): Homeownership is part of the American dream, but as it gets more and more difficult, it's natural to wonder if it's really worth your time and money. (1,524 words)
- [How Long Does a Cash-Out Refinance Take?](/content/blog/how-long-to-get-cash-out-refinance/index.html): Understand the cash out refinance requirements, how soon you can refinance and how long it takes to refinance your home. (1,336 words)
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- [How Much Interest Will I Pay on My Mortgage?](/content/blog/how-much-interest-to-pay-on-mortgage/index.html): Unison takes a look at the amount of interest that will likely accrue over the lifespan of your mortgage. Learn how to manage it and stay prepared. (1,140 words)
- [How Option Contracts Work](/content/blog/option-contract/index.html): Unison agreements are structured as option contracts, which allows you to sell us a future option for cash today. But it's important to learn about option contracts and understand the details! (1,153 words)
- [The Cost of PMI](/content/blog/how-much-does-pmi-cost/index.html): Private mortgage insurance, or PMI, sounds like it might be a helpful protection against something happening to your mortgage. And it is — but for your lender, not for you. (1,169 words)
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- [Equity Sharing Agreement | Unison](/content/equity-sharing-agreement/index.html): Access up to $500k in home equity cash with no monthly payments and no interest. Share in your home's future value change when you sell. (688 words)
- [Private Mortgage Insurance Explained](/content/blog/what-is-pmi-on-mortgage/index.html): Understand what private mortgage insurance is, how much it costs for home buyers, and how it's calculated. (705 words)
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- [Financial Health Articles | Unison Blog](/content/blog/topic/financial-health/index.html): Explore expert articles on Financial Health. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (270 words)
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- [Buy a Home with Less Money Down](/content/blog/how-to-put-10-percent-down-with-no-pmi/index.html): Understand your down payment options when buying a home. Find ways to avoid PMI and save on this important purchase. (793 words)
- [Is a Second Mortgage a Good Emergency Plan? What to Know in 2025](/content/blog/second-mortgage-emergency-backup/index.html): Thinking about using a HELOC or home equity loan as an emergency backup? Learn how second mortgages work as safety nets — and what to watch out for in 2025. (969 words)
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- [Applying for an Equity Sharing Agreement](/content/blog/process-applying/index.html): Find out how to apply for a Unison Equity Sharing Agreement (457 words)
- [Are Zillow Home Values Accurate?](/content/blog/are-zillow-home-values-accurate/index.html): The "Zestimate" is a bit of a secret sauce, which Zillow will admit is not always perfect. But it's a valuable tool nonetheless – here's what we know about the calculation process. (787 words)
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- [Couple Relieves Debt with Equity](/content/blog/leslie-and-john-gained-financial-security-unison-homeowner.html): With a home equity sharing agreement from Unison, Leslie and John were able to tackle debt, make home renovations, and pay bills. (633 words)
- [Finance Your Home Renovations | Unison Equity Sharing](/content/home-renovation/index.html): Wondering how to pay for home renovations? Unison's home equity agreement is the best way to finance a home remodel without debt. Get your free estimate! (130 words)
- [Access Equity without Adding Debt](/content/blog/how-to-access-home-equity-without-debt/index.html): Home equity sharing is a smarter way to tap into the equity you own without monthly payment or added debt. Learn how you can access your home equity funds through a partnership with Unison. (1,013 words)
- [Home Equity Articles | Unison Blog](/content/blog/topic/home-equity/index.html): Explore expert articles on Home Equity. Get practical tips, insights, and strategies to make informed decisions about your home and financial life. (188 words)
- [Homeowner Paid Off Debt with Home Equity](/content/blog/homeowner-paid-off-debt-and-remodeled-home-unison/index.html): Unison helped this homeowner pay off debt and remodel their home with home equity funds. (589 words)
- [Introducing Unison HELOC & HELOAN](/content/introducing-heloc-heloan/index.html): Unison | A smarter way to unlock home equity, today (153 words)
- [Retirement Funding with Home Equity](/content/blog/outsmartingequity/index.html): Our latest research investigates how Americans are planning on using their homes to fund their retirement. Check out how our findings can help you hack your equity and prepare for the future. (952 words)
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- [First-Time Homebuyers Guide](/content/blog/first-time-homebuyer-definition-guide/index.html): Find out what every first-time home buyer needs to know (499 words)
- [Improvements to Increase Your Home's Value](/content/blog/best-home-improvements-to-increase-value/index.html): These simple upgrades to your home can validate a higher asking price and increase resale value. Unison shares tips on which home improvement projects will give you the most bang for your buck. (650 words)
- [Where does Unison get its funds?](/content/blog/about-unison-funding/index.html): Housing is a huge market, but it's difficult for investors to put their money in homes without owning them outright. Learn more about how home equity sharing help bridge the gap. (476 words)
- [What Unison Does](/content/blog/unison-home-coinvesting-together-you-can/index.html): Understand what home equity sharing is and how Unison can help you. (537 words)
- [Understanding First and Second Mortgages: A Quick Guide](/content/blog/first-second-mortgage-guide/index.html): Thinking about a second mortgage? Learn how first and second mortgages differ, how each works, and what to consider when managing more than one home loan. (1,000 words)
- [Earnest Money Deposits Explained](/content/blog/how-does-earnest-money-deposit-work/index.html): Earnest money is a good faith deposit given to the seller that indicates the buyer's intent to purchase a home. (839 words)
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- [How to Get Rid of PMI](/content/blog/how-to-remove-pmi/index.html): Five ways to cancel or reduce your PMI payments on a new home. (470 words)
- [What's a Good Debt-to-Income Ratio?](/content/blog/what-is-good-debt-to-income-ratio/index.html): Understand what's considered a good DTI ratio, how it's calculated, and how it helps you buy a home. (587 words)
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- [Should You Tap Into Your Home Equity Now? A 2025 Guide to Smart Borrowing](/content/blog/home-equity-borrowing-2025-guide/index.html): Explore whether accessing your home equity in 2025 is a wise move. Understand current rates, forecasts, and factors influencing your decision. (641 words)
- [Piggyback Loans Explained](/content/blog/what-is-a-piggyback-loan/index.html): Learn why not all home buyers need a piggyback mortgage loan. A piggyback mortgage loan is a HELOC issued with a conventional mortgage. (467 words)
- [Home Equity Debt Consolidation: A Growing Alternative to High-Interest Credit Card Debt](/content/blog/home-equity-debt-consolidation-alternative-high-interest-debt.html): A Unison survey reveals why home equity debt consolidation is becoming the preferred way to lower payments, pay off debt, and break the high-interest cycle. (780 words)
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- [Using Your Equity: How to Borrow Against Your Home the Smart Way](/content/blog/using-your-equity-borrowing-against-your-home/index.html): Learn how to borrow against your home equity, when it makes sense, and the most common ways to access your home’s value — including home equity loans, HELOCs, and equity sharing. (657 words)
- [Can You Use Home Equity to Start a Business? Here’s What to Know](/content/blog/home-equity-to-start-a-business/index.html): Yes, you can use home equity to fund a business — but should you? Learn the options, risks, and when an equity sharing home loan might make sense. (558 words)
- [What Types of Natural Disasters Do Most Homeowners Insurance Policies Cover?](/content/blog/what-natural-disasters-are-covered-by-insurance/index.html): Discover which natural disasters homeowners insurance typically covers, from windstorms to fires, and learn about common exclusions like floods and earthquakes. Protect your home by understanding your policy. (370 words)
- [Get Your Estimate | Unison Home Equity Solutions](/content/prequalify/index.html): Get your personalized home equity estimate. Discover how much you could access with Unison's equity sharing and home loan options. (252 words)
- [Unison](/content/subscribe/index.html): Unison | A smarter way to unlock home equity, today (166 words)
- [Unison Newsroom](/content/press/index.html): Latest press releases, news coverage, awards, and brand guidelines from Unison. (441 words)
- [Equity Sharing Home Loan | Unison](/content/patch/index.html): Get a low payment, fixed-rate home equity loan without refinancing your mortgage. (352 words)
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- [Get Your Estimate | Unison Home Equity Solutions](/content/equity-sharing-agreement-prequalify/index.html): Get your personalized home equity estimate. Discover how much you could access with Unison's equity sharing agreement. (253 words)
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- [Unison Blog](/content/blog/index.html): Explore expert insights from Unison on home equity, homeownership, financial health, remodeling, renovations, and how we work. (252 words)
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- [Resume Your Application | Unison](/content/resume/index.html): Confirm your details and continue your Unison home equity application. (140 words)
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- [Licenses | Unison](/content/licenses/index.html): Explore state licensing information for Unison Mortgage Corp., Unison Agreement Corp., and Unison Insurance Services, LLC (247 words)
- [Unison](/content/partnership/index.html): Unison | A smarter way to unlock home equity, today (34 words)
- [Unison](/content/other/index.html): Unison | A smarter way to unlock home equity, today (23 words)
- [Legal Center | Unison](/content/legal/index.html): Access Unison's important terms and policies, including Terms of Use, Privacy Policy, and more. (32 words)

## Listings & Categories

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## About Pages

- [Contact Us | Unison Equity Sharing](/content/contact/index.html): Let us help you with your questions. Our team is happy to help with your Unison application, an existing home equity agreement, company partnerships, & more. (104 words)

## Resources

- [Full Page Index](/index.html): Browse all cached pages with rich metadata
- [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines
- [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery
- [Robots.txt](/robots.txt): Crawler directives