Is Unlock Home Equity Agreements the right fit for you?
Last Updated: 11/05/2026
SuperMoney User Recommendation Score +41
Mostly recommended54 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 %
N/A
Contract Term
10
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Number of Reviews
Unlock Home Equity Agreements Review
Unlock Home Equity Agreements are offered by Unlock (NMLS #2657081), a nonbank financial services provider founded in 2020 and based in Tempe, AZ. Unlock Home Equity Agreements are available in 25 states.
Key Takeaways
- Credit scores 500 and above accepted. Homeowners with a credit score starting at 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 or 180-day delinquencies on any mortgage. One 90-day late allowed in 24 months.
- Property value range. Unlock considers properties with values ranging from $175,000 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.
- Unlock's share: In exchange for cash up front, you grant Unlock a share of your home's value when you end your agreement.
- Cash-out only. Existing homeowners can access up to $500,000 of their home's equity.
- 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 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, Unlock receives a share of your home's value when you end your agreement.
How much will Unlock invest?
Unlock offers equity agreements of up to $500,000 in a single home.
The maximum CLTV is under 75% for scores 500–659 and under 80% for scores 660–850. Senior lien LTV is 65% or less. This means the total of the investment return plus any existing mortgage balance cannot exceed that percentage of the property's value.
What are the costs associated with Unlock Home Equity Agreements?
Shared equity agreements have no monthly interest payments or require monthly payments. Instead, Unlock earns a return based on the future value of your home. However, most investors will charge an appraisal fee and other third-party closing costs.
At settlement, Unlock receives an agreed-upon percentage of the home's value.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Origination Fee (%) | 4.9% depends on state limitations | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Share of Home Value | Unlock will invest up to $500,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the terms for a shared equity agreement?
You can use the funds for up to 10 years.
When the term ends, you have two main ways to end your HEA: use proceeds from the sale of your home or use savings or another form of financing to buy out Unlock's share.
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 14 to 45 days.
What types of property are eligible?
Intended Use
- Primary home
- Secondary home
- Investment property
Property Type
- Single-family home
- Multi-family home
- Condominium
- Townhome
Is Unlock a legit company?
Unlock was founded in 2020 and is backed by the most experienced leadership team in the industry, with a combined 70+ years of shared equity experience. 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.
Provider Disclosure: Terms and Conditions Apply. Not all homeowners will qualify. Not available in all states. Home equity agreements are offered in certain states by Unlock Home Equity Solutions Inc 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.
Message from Unlock
Other Services by Unlock
Availability
Available in 26 states.
- Alabama
- Arizona
- California
- Florida
- Georgia
- Hawaii
- Idaho
- Indiana
- Kentucky
- Missouri
- Montana
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Utah
- Vermont
- Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +41, or 3.8 on a 5-point rating scale.
+41
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Unlock Home Equity Agreements Community Reviews
Would you recommend Unlock Home Equity Agreements to your friends?
GP
Giancarlo P.
Oct 19, 2026
Would Recommend
Some long periods of no movement and hard to get in contact with agent buy overall happy with the end result
RF
Rhiannon F.
Aug 7, 2026
Would Recommend
My experience with Jessica West was amazing! I would recommend her to anyone. She went above and beyond to help me. I wasn't as happy with the title company and how long they held up the process. Unlock was amazing though.
RE
Robert E.
Jun 15, 2026
Would Recommend
Unlock has a super team that helps you with every step of the way and would give updates on a regular basis.
SS
Shanitta S.
May 18, 2026
Would Recommend
The experience with Unlock HEA was smooth, professional, and stress-free from beginning to end thanks to the excellent communication and support throughout the entire process.
KP
Kirsten P.
May 4, 2026
Would 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
Would 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
Would 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
Would 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
Would Recommend
It was easy to use and I like the service. Everyone treat me nice.
RF
Ron F.
Jan 8, 2026
Would Recommend
Could not be happier with how easy the process was and how responsive my team was!
U
Anonymous
Dec 28, 2025
Would Recommend
It’s very simple easy and fast process thank you Catrina and Byniamin for your help
U
Anonymous
Nov 8, 2025
Would Recommend
The transaction was very easy, Flavio Gonzalez was great in explaining everything.
JF
John F.
Oct 23, 2025
Would 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
Would 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
Would Recommend
Excellent Customer Service 👌 Both John and Ariel are Awesome 😃
BM
Betty M.
Oct 4, 2025
Would Recommend
GREAT EXPERIENCE!!!
Everyone was so helpful and keep us very informed.
U
Anonymous
Sep 22, 2025
Would Recommend
They are easy to work with and responsive when you have questions.
U
Anonymous
Sep 22, 2025
Would Recommend
Experience and follow through was amazing! Daily progress reports and updates.
ND
Nide D.
Aug 10, 2025
Would 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
Would 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.
Showing 20 of 54 reviews
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