Unison

Unison offers an alternative home equity product called an Equity Sharing Agreement that allows homeowners to unlock cash from the value of their homes without taking on monthly payments or interest. Customers retain full ownership of their homes while agreeing to share a portion of future change in the home’s value when the home is sold or refinanced. The company describes a term of up to 30 years and emphasizes zero percent interest and zero monthly payments.

Unison’s model is positioned as a way for homeowners to use home wealth for goals such as paying down debt, funding home improvements, or making investments in another property. At the end of the agreement, the homeowner repays the original amount received plus or minus Unison’s share of the home’s change in value, resulting in a lump-sum settlement when the property is sold or refinanced.

The website includes customer stories and resources such as FAQs, comparisons, a blog, and a prequalification flow for seeing cash estimates and viewing quotes. The site also notes a Trustpilot rating and invites prospective customers to contact a Unison home equity specialist for details and conditions.