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Unison HomeOwner

SuperMoney Net Recommendation Score -13  


This product is mostly not recommended by SuperMoney users with a score of -13, equating to 2.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

6 users recommend
1 user is unsure
8 users don't recommend
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Community Rating Mostly not recommended
Shared Equity Use Case Equity Cash-Out
Investment Range $ $30,000 - $500,000
Investment Range % Up to 17.5%
Number of Reviews 15

Unison HomeOwner Review

Unison HomeOwner is offered by Unison, a financial services company founded in 2006 and based in San Francisco, CA. Unison HomeOwner is available in 27 states (and Washington, DC).

Key Takeaways
  • Fair credit accepted. If you have a credit score of 620 or higher, you may qualify for a shared equity agreement with Unison HomeOwner.
  • Maximum investment of $500,000. Your actual offer will depend on the value of the home and how much equity you have in the property.
  • Long contract terms. Unison HomeOwner offers a contract term of 30 years, which provides homeowners with plenty of flexibility. Most home equity investors have a maximum term of 10 years.
  • Share of home appreciation. Unlike most shared equity investors, Unison HomeOwner's return depends on your home's appreciation rather than the home's entire value. When the contract ends, the buyback cost will be the original investment plus 20% to 70% of the home's increase in value. If your home has lost value, Unison HomeOwner will also share in the loss.
  • Cash-out only. Existing homeowners can access up to 17.5% of their property's value without taking on debt. Funds can be used for anything, from paying off debt, renovating or retirement.
  • Only available in select states. Unison HomeOwner is currently available in 27 states.
Unison HomeOwner Pros & Cons
Pros Cons
  • Considers single-family homes, townhouses, and condominiums.
  • No added debt, interest or monthly payments – ever
  • Flexible 30-year term – longer repayment period than other shared equity partners
  • Online application only takes 5 minutes with access to a dedicated Program Specialist
  • Fair credit accepted. Considers credit scores as low as 620
  • Considers homeowners with a debt-to-income ratio of up to 43%.
  • Longer repayment periods.
  • Does not offer programs to consumers with less than a 620 credit score.
  • If you fail to do routine maintenance and it decreases your property value, Unison could adjust your home's value upward to account for the cost of maintenance when calculating its share.
  • Unison sets a limit on the total amount of debt that can be secured by your house. This may impact how much you can borrow later with HELOCs and home equity loans.
Unison HomeOwner FAQ

How does the Unison HomeOwner 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.

As a home equity loan alternative, the Unison HomeOwner product allows you to tap into the equity in your home without the monthly payments that come from a traditional home equity loan or line of credit. This product is especially useful for those that have significant home equity available and are looking for a flexible way to access cash for uses such as a home improvement project or to eliminate debt.

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 will 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 HomeOwner program offers equity investments up to 17.5% 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 HomeOwner program, the most Unison can invest in a single home is $500,000.

Unison HomeOwner Terms & Requirements
Investment Term Amount
Equity Investment Range $30000 - $500000
Maximum Debt-to-Income Ratio 43%

What are the costs associated with Unison HomeOwner?

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 get their money back when you sell your home or the contract term ends – and they typically only make a profit if you also make a profit.

At the time your home is sold -- or when the term of the investment is up -- Unison will receive an amount that ranges from 20% up to 70% of any appreciation or depreciation in the home’s price.

The Unison HomeOwner program includes a transaction fee equal to 3% of their investment. The homeowner is also responsible for third-party costs such as appraisal and settlement costs.

Unison HomeOwner Fees
Closing Costs (%) 3%
Share of Home Appreciation 20% - 70%

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

You can use the funds provided by Unison HomeOwner for up to 30 years. After 30 years, the agreement ends by either selling your home or buying Unison out. If you sell your home, you’ll need to pay back the amount of the original co-investment, plus or minus Unison’s share of the home’s change in value. To buy them out, you would need to pay the amount of the original co-investment plus their share of your home’s change in value, which is calculated by an independent third- party appraisal to determine the fair market value of your property at the time. Unison will not share in a loss if you choose to buy them out.

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

Homeowners can receive funding from Unison in as little as 21 days -- depending on their pace and responsiveness during the investment due diligence process.

What types of property does Unison consider?

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

  • Primary home
  • Secondary homes and vacation properties.
Unison HomeOwner Disclosure: Additional terms and conditions may apply and are subject to change. See for the most up-to-date information. © 2021 Unison Agreement Corp. Unison Homeowner Agreements are provided exclusively by Unison Agreement Corp., a wholly-owned subsidiary of Real Estate Equity Exchange, Inc., dba Unison. Certain restrictions apply. “Unison” is a trademark of Real Estate Equity Exchange, Inc.
SuperMoney Disclosure: 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

Unison is the market leader in home ownership investment. Founded in 2006, 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.


About Unison HomeOwner

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View all home equity investments offered by Unison


  Available in 27 states and Washington, D.C.
  • Arizona
  • California
  • Colorado
  • Washington, DC
  • Delaware
  • Florida
  • Indiana
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • North Carolina
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Washington
  • Wisconsin

Feature Breakdown

Closing Costs (%) 3%
Credit Score Range 620 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Primary Home
  • Secondary Home
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Proof of Income
  • Recent Bank Statements
Shared Equity Use Case Equity Cash-Out
Funding Time Range 15 - 21 days
Investment Range % Up to 17.5%
Investment Range $ $30,000 - $500,000

Unison HomeOwner Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of -13, equating to 2.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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