Unison Review

Unison offers a different approach to unlocking your home’s equity. With a mission to “align homeowners and investors,” Unison moves away from traditional home equity loans and standard mortgage lending. In fact, Unison isn’t a lender. Through its HomeOwner program, Unison co-invests in your home, leaving you with cash in your pocket.

Instead of issuing a loan, Unison converts up to $500,000 or 17.5% of your home’s value into a lump sum of cash. Since it isn’t a loan, this strategy allows you to take advantage of your home’s equity without monthly payments or interest. Once the term of your agreement ends, you need to either buy out Unison or sell your house. At that time, Unison shares in any appreciation or depreciation of your home.

So, could Unison be a good option for you? In this review, we’ll go into the details so you can decide.

Pros and Cons of Unison



What Does Unison Offer?

Unison gives homeowners another way to benefit from their home equity. Rather than a loan that comes with a monthly payment or interest, its HomeOwner program is a new kind of way to use your home’s value. Simply put, homeowners become co-investors with Unison in exchange for a lump sum of cash.

Under the HomeOwner plan, Unison becomes a partner in your home’s value. When Unison invests up to 17.5% of your home, you agree to pay back the sum when the 30-year term limit has expired.

You can either buy out Unison or sell your home in order to pay back the investment. So, if you haven’t sold your home within the 30-year term, then Unison requires a buy-out of their investment.

Unison’s HomeOwner program lets you use your money however you see fit. Whether you want to renovate your home, retire, or pay off debt, Unison doesn’t put restrictions on your spending.

What To Expect on the Site

On the Unison website, first, click on the “Apply now” button. Then, tell Unison whether it’s a primary property and enter your physical address for verification. Once your address has been verified, you’re asked to enter your email address, name, and contact info so Unison can contact you for prequalification.

While you’re waiting for a representative to contact you, you can continue with a limited version of the Unison application. You’ll need to be prepared with the following information:

Then, you’ll be contacted by Unison and undergo a credit verification process.


In order to determine the amount Unison can invest into your home, you need to complete both their pre-approval and application processes. Although Unison can invest up to $500,000 or 17.5% of your home’s value, the actual amount varies from homeowner to homeowner. You’re encouraged to complete the online application for an individualized quote. As we’ve previously noted, unlike a loan, a Unison co-investment doesn’t have monthly payments or interest.

What People Are Saying About Unison

As of August 2021, Unison is accredited by the Better Business Bureau and has an A+ BBB rating. The company also has an impressive customer rating of 4.49 out of 5 stars on the BBB website. Additionally, Unison has a great Trustpilot rating. Based on feedback from customers, Unison’s Trustpilot score is 4.2 out of 5 stars:

The Bottom Line

By offering homeowners a way to use their home equity without taking a loan, Unison certainly has an intriguing approach. It partners with its clients by entering into a 30-year agreement that allows homeowners to utilize up to 17.5% of their home’s equity for any purpose. Unison recoups its investment when the home is sold or the investment is bought out. To date, Unison has co-invested over $4 billion.

If you want to tap into your home’s equity but don’t want to take out a loan, then Unison should be on your radar as you compare top home equity options.