Last Updated: 02/03/2026
Unison HomeOwner
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Last Updated: 02/03/2026
SuperMoney User Recommendation Score +19
Mostly recommended21 total votes
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Highlights
Community Rating
Mostly recommended
Credit Score Range
Starting at 620
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Funding Range $
$30,000 - $500,000
Funding Range %
Up to 15%
Contract Term
30
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Number of Reviews
Unison HomeOwner Review
Unison HomeOwner is offered by Unison , a financial services company founded in 2004 and based in San Francisco, CA. Unison are available in 24 states and Washington, DC.
Key Takeaways
- Fair credit accepted. If you have a credit score of 620 or higher, you may qualify for a home equity agreement with Unison HomeOwner.
- Inspection costs range from $650-$1,050.
- Maximum investment of $500,000. Your actual offer will depend on your home's value and how much equity you have in the property.
- Long contract terms. Unison HomeOwner offers contract terms of up to 30 years, which provides homeowners with plenty of flexibility.
- Home improvement credit. Unison recognizes money you invest in eligible home improvements and adjusts the ending value so it doesn’t take a share of the value you added.
- 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.
- Good for down payments and cash-outs. Unison HomeOwner allows you to use the money for a downpayment or as a regular equity cash-out.
- Only available in select states. Unison HomeOwner is currently available in a limited number of states.
Unison HomeOwner Pros & Cons
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Unison HomeOwner FAQ
How does the Unison HomeOwner 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 HomeOwner product supports home purchase down payments. Rather than giving you a traditional loan, Unison invests alongside you in your home by matching a percentage of your down payment in exchange for a share of the home’s future value.
As a home equity loan alternative, the Unison HomeOwner product allows you to tap into your home equity without the monthly payments associated with traditional loans or HELOCs.
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 of up to 15% of a property's value. The maximum investment in a single home is $500,000.
While Unison HomeOwner is not a loan, the maximum lien-to-value ratio is 70%. This means the total of the investment return plus any existing mortgage balance cannot exceed that percentage of the property’s value.
| Term | Amount |
| Investment Amount | $30,000 – $500,000 |
What are the costs associated with Unison HomeOwner?
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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Closing Costs (%) | 3.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Share of Home Appreciation | 20% - 60% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the terms for a shared equity agreement?
You can use the funds for up to 30 years.
The agreement ends by either selling your home or buying Unison out. If you sell, you repay the original co-investment plus or minus Unison’s share of the home’s change in value. To buy Unison out, an independent third-party appraisal is used to determine the fair market value of the property. Unison will not share in a loss if you choose to buy them out.
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
- Investment property
- Single-family home
- Multi-family home
- Condominium
- Townhome
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. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
Unison HomeOwner Disclosure: Additional terms and conditions may apply and are subject to change. See unison.com for the most up-to-date information. 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: 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.
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