Last Updated: 05/01/2025
Unison HomeBuyer
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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
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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.
| Term | Amount |
| Equity Investment Range | 5% – 15% |
| Investment Amount | $15,000 – $450,000 |
What are the costs associated with Unison HomeBuyer?
Shared equity investments do not charge an interest rate 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Closing Costs (%) | 2.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Share of Home Appreciation | 16.5% - 57.8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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
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.
Message from Unison HomeBuyer
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
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Credit Score Range
Starting at 620
Funding Range $
$30K - $500K
Funding Range %
Up to 15%
Contract Term
30
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Learn MoreSuperMoney Net Recommendation Score
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Unison HomeBuyer Community Reviews
Would you recommend Unison HomeBuyer to your friends?
Brian C.
Dec 25, 2023
May or may not recommend
Yes this seem like a great idea for this kinda thing
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