Unison HomeBuyer

Unison HomeBuyer

in Shared Equity Agreements from Unison


Unison HomeBuyer


in Shared Equity Agreements from Unison

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Shared Equity Use Case Mortgage Down Payment
Investment Range $ $15,000 - $450,000
Investment Range % 5% - 15%

Unison HomeBuyer Review

Unison HomeBuyer is offered by Unison, a financial services company founded in 2004 and based in San Francisco, CA. Unison HomeBuyer is available in 31 states (and Washington, DC).

Key Takeaways
  • Long contract terms. Unison HomeBuyer offers contract terms of up to 30 years, which provides homeowners with plenty of time to settle their investment. Other home equity investors have a maximum term of 10 years.
  • Share of home appreciation. Unison HomeBuyer bases its return on how much a property increases in value over time. When the contract ends, the buyback cost will be the original investment plus 16.5% to 57.8% of the home's increase in value. If your home has lost value, Unison HomeBuyer will also share in the loss.
  • Available in most states. Unison HomeBuyer is available in 31 states.
  • Good credit required. You will need a credit score of at least 680 to qualify for Unison HomeBuyer.
Unison HomeBuyer Pros & Cons
Pros Cons
  • Avoid paying a private mortgage insurance (PMI).
  • Unison is available in more states than most shared equity investors
  • Get funds within 15 days.
  • Considers homeowners with a debt-to-income ratio of up to 43%.
  • Longer repayment periods.
  • Large investment amounts available.
  • The amounts are lower than the loan amounts available with a HELOC.
  • Luxury properties may not be eligible.
  • Unison won't share any losses with you if you sell your home in the first 3 years.
Unison HomeBuyer FAQ

How does the Unison HomeBuyer product work?

A shared equity agreement (also called a shared appreciation agreement or shared equity contract) is essentially a way to sell a small fraction of the equity in your home to an investment company.

The Unison HomeBuyer product supports home purchase down payments. Unison aims to help more people afford to buy a home. Rather than giving you a loan, they invest alongside you in your home by matching up to 50% of your down payment. Through the Unison HomeBuyer product, Unison helps to finance your mortgage down payment in exchange for a share of the home’s future appreciation.

The transaction is secured like a loan but you won't be paying Unison a monthly loan payment with interest. Instead, if your home goes up in value, Unison share in the gain; if it goes down, they share in the loss.

How much will Unison invest into a shared equity agreement?

The Unison HomeBuyer program offers equity investments that range from 5% up to 15% of a property's market value. As you might expect, Unison has a cap on the amount of funding they will invest in a single home. For the Unison HomeBuyer program, the most Unison can invest in a single home is $450,000.

Unison HomeBuyer Terms & Requirements
Investment Term Amount
Equity Investment Range 5% - 15%
Equity Investment Range $15000 - $450000
Maximum Down Payment Match Percentage 50%
Maximum Debt-to-Income Ratio 43%

What are the costs associated with Unison HomeBuyer?

Unlike loans, the costs associated with shared equity investments are not based on an interest rate. There are no monthly payments or accrued interest. Instead, Unison shares in the change in value of your property. If your property value goes up, Unison gets a share. If the value drops, Unison shares in the losses. They only get their money back when you sell your home – and they typically only make a profit if you also make a profit.

Under the Unison HomeBuyer program, at the time your home is sold Unison will receive an amount that ranges from 16.5% up to 57.8% of any appreciation or depreciation in the home’s price.

The Unison HomeBuyer program includes a closing fee equal to 2.5% of their investment.

Unison HomeBuyer Fees
Closing Costs 2.5%
Share of Home Appreciation 16.5% - 57.8%
Share of Home Value N/A
Origination Fee (%) N/A

What are the terms for a shared equity investment via Unison?

You can use the funds provided by Unison HomeBuyer for up to 30 years. After 30 years, you will need to either sell your home or buy them out.

To buy Unison out, you would need to pay back their original investment plus or minus their share of your home’s change in value.

How long does it take to close a deal with Unison?

Unison HomeBuyer will typically fund a deal within 21 days.

What types of property does Unison consider?

Shared equity investors often have restrictions on the type of properties they will invest in. Unison HomeBuyer will consider shared equity agreements secured by the following property types:

  • Primary home
  • Secondary homes and vacation properties.
Unison HomeBuyer Disclosure: Real Estate Equity Exchange, Inc., dba Unison Home Ownership Investors, offers Unison HomeOwner Agreements and Unison HomeBuyer Agreements through Unison Agreement Corporation (AZ DRE #CO670710000, CA BRE License #2012710, DC REC License #C098374562, GA REC License #76456, IL DFPR License #478026863, MA BR License #422177, MD REC License #6027, NJ REC License #1649879, NY DL License #10311206864, PA REC License #RBR002699, VA REB License #0226-025731, WA DL License #19288) and Unison Agreement AO Corporation (CT REB License #791352, OR REA License #201221258). Unison is an independent investor and is not affiliated with any bank or lender. No agency relationship shall be formed pursuant to or in connection with a Unison HomeOwner or Unison HomeBuyer transaction.
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  • Headquarters
  •   650 California Street
    San Francisco, CA 94108
  •   Visit Site

About Unison HomeBuyer

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Message From Unison

Unison is the market leader in home ownership investment. Founded in 2004, San Francisco-based Unison makes long-term investments in individual residential properties through two innovative programs: Unison HomeBuyer, which provides a portion of the down payment needed to purchase a home, and Unison HomeOwner, which allows current homeowners to tap into their home equity without interest or monthly payments.


  Available in 31 states and Washington, D.C.
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Washington
  • Wisconsin

Feature Breakdown

Closing Costs 2.5%
Credit Score Range 680 - 850
Down Payment Match Percentage Up to 50%
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Primary Home
  • Secondary Home
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Income
  • Proof of Residence
Shared Equity Use Case Mortgage Down Payment
Funding Time Range 15 - 21 days
Investment Range % 5% - 15%
Investment Range $ $15,000 - $450,000

Unison HomeBuyer Community Reviews


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