Is Unlock Home Equity Agreements the right fit for you?
Last Updated: 05/04/2026
Unlock Home Equity Agreements
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Last Updated: 05/04/2026
SuperMoney User Recommendation Score +36
Mostly recommended50 total votes
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Highlights
Community Rating
Mostly recommended
Credit Score Range
Starting at 500
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Funding Range $
Up to $500,000
Funding Range %
Up to 38.8%
Contract Term
10
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Number of Reviews
Unlock Home Equity Agreements Review
Unlock Home Equity Agreements is offered by Unlock (NMLS #2657081), a nonbank financial services provider founded in 2020 and based in Tempe, AZ. Unlock are available in 25 states.
Key Takeaways
- Poor credit accepted. Homeowners with a credit score as low as 500 can qualify with Unlock Home Equity Agreements.
- Eligibility requirements: Homeowners must have no bankruptcy, foreclosure action, short sale, or deed in lieu within the previous five years. Also, there must be no 120-day delinquencies on any mortgage within the prior 36 months.
- Property value range. Unlock considers properties with values ranging from $300,000 to $3,000,000.
- Maximum investment of $500,000. Your actual offer will depend on your home's value and how much equity you have in the property.
- 10-year term. The investment has a contract term of 10 years, at which time you'll need to settle up with Unlock.
- Home improvement credit. Unlock 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 the home's future value. Unlock Home Equity Agreements gets paid a share of the home's value when the contract ends, ranging from 5% to 43.75%.
- Cash-out only. Existing homeowners can access up to 38.8% of their property's value.
- Only available in select states. Unlock Home Equity Agreements is currently available in a limited number of states.
Unlock Home Equity Agreements Pros & Cons
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Unlock Home Equity Agreements FAQ
How does the Unlock Home Equity Agreements 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.
As a home equity loan alternative, the Unlock Home Equity Agreements 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 Unlock invest?
Unlock offers equity investments of up to 38.8% of a property's value. The maximum investment in a single home is $500,000.
While Unlock Home Equity Agreements is not a traditional loan, the maximum lien-to-value ratio is 80%. This means the total of the investment return plus any existing mortgage balance cannot exceed that percentage of the property’s value.
| Term | Amount |
What are the costs associated with Unlock Home Equity Agreements?
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.
At settlement, the investor receives an agreed-upon percentage of the home’s value.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Origination Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Share of Home Value | 5% - 43.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the terms for a shared equity agreement?
You can use the funds for up to 10 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.
The settlement amount is based on the agreed-upon percentage of your home’s value at the time of settlement.
How long does it take to close?
Funding typically occurs within 30 days.
What types of property are eligible?
Intended Use- Primary home
- Single-family home
- Multi-family home
- Townhome
Is Unlock a legit company?
Unlock was founded in 2020. It is an established company that has been in business for 6 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
Unlock Home Equity Agreements Disclosure: Terms and Conditions Apply. Not all homeowners will qualify. Not available in all states
Home equity agreements are offered by Unlock Home Equity Solutions, Inc. In certain states NMLS #2657081 - HTTPS://NMLSconsumeraccess.org/ for more info.
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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SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +36, or 3.7 on a 5-point rating scale.
+36
-1000+100
No one recommends
Everyone recommends
Unlock Home Equity Agreements Community Reviews
Would you recommend Unlock Home Equity Agreements to your friends?
KP
Kirsten P.
May 4, 2026
May or may not recommend
We had a couple debts from a debt collection company we had to pay out of the proceeds… ok no problem we were going to use the money for that as well as home improvements. I personally had to call each of the attorneys holding these debts, Again doing this myself Not the Title company of Unlock… Me personally. NOT MY JOB! They still hv not gotten this ...Show More
DJ
David J.
Apr 5, 2026
May or may not recommend
I was told it would take about a month. Come to find out it actually took 3 months. Mostly due to incompetence & didn't care about me as a customer. They had me send in multiple times the same documents only for them to take too long to process them, then to request the same documents again and again and again. They kept telling me we'll finish up in a ...Show More
AB
Allen B.
Mar 11, 2026
May or may not recommend
Are experience was great. Brandon Unchida was amazing. Very friendly and helpful and very patient. He was wonderful. I highly recommend Unlock to anybody. Thank you very much. I give Brandon Unchida 10 stars out of 5. Thanks again.
U
Anonymous
Feb 24, 2026
May or may not recommend
I can’t say enough about the help and hand holding we got while working with Brandon and Summer at Unlock.
They took time to make sure that we understood the process and what to expect when partnering with Unlock.
Partnering with Unlock allows us the freedom of having the equity to use on whatever life may bring without the stress of making monthly payments for the next 10 years or ...Show More
U
Anonymous
Feb 1, 2026
May or may not recommend
It was easy to use and I like the service. Everyone treat me nice.
RF
Ron F.
Jan 8, 2026
May or may not recommend
Could not be happier with how easy the process was and how responsive my team was!
U
Anonymous
Dec 28, 2025
May or may not recommend
It’s very simple easy and fast process thank you Catrina and Byniamin for your help
U
Anonymous
Nov 8, 2025
May or may not recommend
The transaction was very easy, Flavio Gonzalez was great in explaining everything.
JF
John F.
Oct 23, 2025
May or may not recommend
My experience was better than I expected. From the approval process, to the appraisal and closing, it was perfect!
U
Anonymous
Oct 19, 2025
May or may not recommend
Customer reps are very nice, but the fee structure is exhorbitant, especially for the risk they are undertaking. It’s taking advantage of people who feel they are in desperate situations.
CA
Cynthia A.
Oct 7, 2025
May or may not recommend
Excellent Customer Service 👌 Both John and Ariel are Awesome 😃
BM
Betty M.
Oct 4, 2025
May or may not recommend
GREAT EXPERIENCE!!!
Everyone was so helpful and keep us very informed.
U
Anonymous
Sep 22, 2025
May or may not recommend
They are easy to work with and responsive when you have questions.
U
Anonymous
Sep 22, 2025
May or may not recommend
Experience and follow through was amazing! Daily progress reports and updates.
ND
Nide D.
Aug 10, 2025
May or may not recommend
Great company and great teams, I did not believe it when I find them on social media, but I was getting approved more than expected and closed on August 1st
CA
Cynthia A.
Feb 28, 2025
May or may not recommend
Excellent Customer Service fast very efficient I enjoy working with Daniel. I will highly recommend unlock to anyone that looking to get so Equity out of home thanks unlock.
SK
Steven K.
Feb 6, 2025
May or may not recommend
Very easy and responsive to any questions! Pleasure to work with.
JK
John K.
Jan 4, 2025
May or may not recommend
The Unlock team is very knowledgeable and professional. They provided the information we needed and kept us up-to-date on each step of the process.
LP
Lee P.
Oct 23, 2024
May or may not recommend
My consultant was very helpful and friendly. He was always ready to help with any questions I had. He would explain the process and the timeframe for each. This is a fantastic way to fund projects and do it quickly
U
Anonymous
Jul 24, 2024
May or may not recommend
The process was simple, easy and to the point. We received funding within 30 days and Unlock makes it easy so you can do everything online. They take their time and answer all your questions.
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