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Home Equity Investment Companies
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Last Updated: 05/01/2025

Unison HomeBuyer

in Home Equity Investment Companies from Unison

Last Updated: 05/01/2025

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Highlights

Credit Score Range

680 - 850
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Funding Range $

$15,000 - $450,000

Funding Range %

5% - 15%
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Contract Term

3 - 30
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Unison HomeBuyer Review

Unison HomeBuyer is offered by Unison , a financial services company founded in 2004 and based in San Francisco, CA. Unison HomeBuyer are available in 28 states and Washington, DC.

Key Takeaways

  • Good credit required. You will need a credit score of at least 680 to qualify for Unison HomeBuyer.
  • Maximum investment of $450,000. Your actual offer will depend on your home's value and how much equity you have in the property.
  • Long contract terms. 3 to 30 years.
  • Share of home appreciation. When the contract ends, the buyback cost will be the original investment plus a share of the home's increase in value.
  • Only available in select states. Unison HomeBuyer is currently available in a limited number of states.

Unison HomeBuyer Pros & Cons

Unison HomeBuyer FAQ

How does the Unison HomeBuyer product work?

A shared equity agreement (also called a shared appreciation agreement or home equity contract) is a way to sell a portion of the equity in your home to an investment company.
The Unison HomeBuyer product supports home purchase down payments. Rather than giving you a traditional loan, Unison invests alongside you in your home by matching up to 50% of your down payment in exchange for a share of the home’s future value.
The transaction is secured by a lien on your property, but instead of paying interest or monthly payments, the investor receives a share of your home’s value when the agreement ends.

How much will Unison invest?

Unison offers equity investments ranging from 5% up to 15% of a property's value. The maximum investment in a single home is $450,000.

What are the costs associated with Unison HomeBuyer?

Shared equity investments do not charge interest or require monthly payments.Instead, the investor earns a return based on the future value of your home. However, most investors will charge and appraisal fee and other third-party closing costs.
In some cases, the return is based on a percentage of the home’s appreciation or depreciation over the term.

What are the terms for a shared equity agreement?

You can use the funds for up to 30 years.
When the term ends, you must settle the agreement by returning the investment, selling the home, refinancing, or partnering with the investor for another term.
Settlement is based on the original investment plus or minus the investor’s share of the home’s change in value.

How long does it take to close?

Funding typically occurs within 21 days.

What types of property are eligible?

Intended Use
  • Primary home
  • Secondary home
Property Type

    Is Unison Equity Sharing a legit company?

    Unison Equity Sharing was founded in 2004, it is a well-established company that has been in business for 22 years.
    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    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.

    SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Unison HomeBuyer logo

    Message from Unison HomeBuyer

    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.

    Contact

    Headquarters

    650 California Street
    San Francisco, CA 94108
    Visit Site
    Email Support

    Hours of Operation

    Sunday
    Closed
    Monday
    9:00AM - 5:00PM
    Tuesday
    9:00AM - 5:00PM
    Wednesday
    9:00AM - 5:00PM
    Thursday
    9:00AM - 5:00PM
    Friday
    9:00AM - 5:00PM
    Saturday
    Closed

    Other Services by Unison