Is Unison HomeOwner the right fit for you?
Last Updated: 05/08/2026
SuperMoney User Recommendation Score +32
Mostly recommended25 total votes
Cast Your Vote
Compare All Home Equity Investment Companies
Filter & compare all your options in one place.
Highlights
Community Rating
Mostly recommended
Credit Score Range
Starting at 620
Disclaimer popup with additional information
Funding Range $
$30,000 - $500,000
Funding Range %
Up to 15%
Contract Term
30
Disclaimer popup with additional information
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 23 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
| Pros | Cons |
|
|
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 traditional 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 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 (%) | 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.
Message from Unison
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
Other Home Equity Investment Companies from Unison
Rating not yet determined
Credit Score Range
680 - 850
300
850
Funding Range $
$15K - $450K
Funding Range %
5% - 15%
Contract Term
3 - 30
Disclaimer popup with additional information
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +32, or 3.6 on a 5-point rating scale.
+32
-1000+100
No one recommends
Everyone recommends
Unison HomeOwner Community Reviews
Would you recommend Unison HomeOwner to your friends?
JE
John E.
May 8, 2026
May or may not recommend
this is a great company. My transaction with this group was not easy , it involved having some Title work that was rather complicated and other aspects of my financial situation. Nevertheless, my loan officer, Carlos, was simply outstanding. I had calls back from him within 10 minutes any time that I had a question, and more importantly than that, he answered email with some of my stupid questions within ...Show More
U
Anonymous
May 6, 2026
May or may not recommend
My Unison Program Specialist was Jim Brabec. Jim was very pleasant and explained the program and process in detail. I was so pleased with his presentation and understood the Unison Program without any problems. He helped me all the way until the transfer of the fund. I couldn’t have done it without his support.
CM
Charles M.
May 2, 2026
May or may not recommend
I worked with Carlos Argueta and he was the most responsive, helpful Loan Officer I have worked with. Was always willing to answer my questions, as well as work things out when they go sideways. I would recommend both Unison and Carlos Argueta 1000 times over.
MB
Mysti B.
Apr 17, 2026
May or may not recommend
Unison provided clear explanations of a pretty complicated financial transaction (equity option). They never gave us a hard sell, were up front about the cost and benefits of private equity investment, and the contractors they sent around (appraiser, house inspector) were very professional and competent.
We wish we didn’t need Unison, but are very grateful for their investment—much better than any reverse mortgage. Giving us 30 years in the house ...Show More
KB
Ken B.
Mar 20, 2026
May or may not recommend
Everything seemed to be on the up and up until they requested me to submit my ID. For some of you, you won’t understand. For years I have always been denied based on the color of my skin or nationality. To be clear I credit score is great. The amount of money I would have received would payed off all my debt which would have left me with just my ...Show More
MF
Miles F.
Jan 5, 2026
May or may not recommend
I love the 'win-together' model. Unison takes a share of my home's appreciation, but they also share in the loss if the market goes down. That kind of alignment is rare in finance. The process took about 3 weeks, and the mobile notary made the closing effortless. Five stars for innovation and service.
TQ
Tessa Q.
Jan 5, 2026
May or may not recommend
Most banks wouldn't talk to me because my credit score took a hit last year, but Unison looked at the value of my home instead. They were professional, transparent about the 30-year term, and made me feel like a partner rather than a debtor. If you have equity but not 'perfect' credit, this is a game-changer.
ID
Ivy D.
Jan 5, 2026
May or may not recommend
I used the funds for a massive kitchen renovation. I really appreciate the 'Home Improvement Credit, it ensures that Unison doesn't profit from the value I added myself. 4 stars because the underwriting was quite thorough and required a lot of back-and-forth paperwork, but the end result was exactly what I needed.
JC
Jude C.
Jan 5, 2026
May or may not recommend
I was looking for a way to tap into my home equity without adding another bill to my monthly budget, and Unison was the perfect answer. Because this is an investment and not a loan, I don't owe them a dime in monthly interest. It’s given me the cash I needed for my daughter’s tuition while keeping my monthly expenses exactly where they were. Simply brilliant.
U
Anonymous
Nov 10, 2025
May or may not recommend
The customer care team was courteous and knowledgeable. It was a pleasure to work with them.
AJ
Angela J.
Nov 7, 2025
May or may not recommend
We had the pleasure of working with Emily Nations, and she was truly amazing. Over the past year, my husband and I tried working with several companies to secure a small loan that would help us regain financial traction. Unfortunately, we kept running into roadblocks—either high interest rates that made progress impossible or companies that simply didn’t follow through, no matter how hard we tried.
Emily was different. She stood by ...Show More
JK
Jong K.
Nov 7, 2025
May or may not recommend
Prince and everyone at Unison was amazing; professional, knowledgeable, responsive. Prince turned what could have been a stressful situation for me into a pleasant one!
CH
C H.
Oct 12, 2023
May or may not recommend
They are the worst company. Failure to communicate on the status of items. They change representatives constantly so you are always being handed to another person. They give you the run around and excuses. Their appraisal of your property is a huge joke. They ding you for every single thing so that they can lower the value of your property in hopes of getting more money ...Show More
NK
Nicole K.
Sep 6, 2023
May or may not recommend
Bad bad experience
Please go with Point instead as there were able to share in my equity over 60 k. Also with a higher appraisal and better home inspection
GB
Greg B.
May 5, 2022
May or may not recommend
Agents never get back to you or respond to emails. Have to set up an appointment for someone to call you back, and even then, that agent is limited in what they can tell you since they are not the agent assigned to your case. Follow up and communication is terrible.
U
Anonymous
Jan 19, 2022
May or may not recommend
I did a home investment with Unison. It allowed me to pay down my debt and do some work on my house. I did not expect my circumstances to change so quickly, but within 3 months with an improved credit score in hand, I was able to purchase another home with 0 down and no need to sell the other house first. This allowed me to finish upgrades and sell ...Show More
CF
Christopher F.
Oct 8, 2021
May or may not recommend
Never and I mean never sign an agreement with Unison. They will take so much of you real estate wealth. When you sell your home or after 30 years you will be back at square one after paying Unison back. This company steals from the less fortunate.
Kevin D.
Jun 21, 2021
May or may not recommend
I have just refinanced to pay them off because I no longer want to deal with them. Brandan Carlson and Aaron Sagin were the two individuals involved with my refi process and they are a joke. Aaron can't do math (by his own admission), and Brandan can't seem to keep his story straight.
Long story [relatively] short: they have this program called a "Remodel Adjustment" where they will deduct an approved ...Show More
DL
Diana L.
Jan 17, 2020
May or may not recommend
Requested equity in December 2019. Provided all docs as requested. Contact person at Unison went on vacation. No updates received. Started calling in Jan 2020 with leaving voicemail and email messages. Finally spoke with contact person on Jan 16 2020 who then tells me it will be another 120 days!!!! WTF!!!!? I'm not self employed, just salaried no additional people on the request. In this day and age ...Show More
Lars K.
Sep 25, 2019
May or may not recommend
Very professional. They work with you the entire way. I recommend them.
Showing 20 of 25 reviews
8 other reviews that are currently hidden
