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9 Customer Reviews - see all comments
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Unison is a San Francisco and Omaha based company that is committed to helping homeowners finance their life needs without adding debt. Unison is not a lender and does not offer loans. Instead, Unison co-invests in your primary residence by giving you a portion of your equity in cash in exchange for a shared portion of the property's future change in value - up or down. Most importantly, there are zero payments or interest, and no minimum income or age requirements. Unison has excellent reputation and financial strength, as evidenced by hundreds of customer testimonials, several awards, and a 4.5-star, A+ rating by the BBB, among others. The company was founded in 2004 and is available in 29 states plus Washington DC.
 
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How Do We Rate Unison?

Breakdown

Our Overall Rating: 0 / 5 (N/A)

Unison stands out for offering an affordable way to tap into your home's equity. With an equity sharing agreement from Unison, you get cash today in exchange for a share in value (up or down) when you sell, or when 30 years pass. Because this is a debt-free solution, there is no interest and no monthly payments. Unison's HomeOwner program is an affordable alternative to take advantage of your home's equity, and we highly recommend you check them out.

Unison Features

Loan Types Available
Unison HomeOwner
Maximum Home Equity Loan
$500,000
Home Equity Loan Max Term
30 years

Unison Qualifications

Loan Qualifications
Property Appraisal
Primary Residence
Minimum Home Equity
20%
Minimum Credit Score
680

Unison Customer Experience

Site Features & Technology
Home Equity Calculator
Online Application
Online Quote
Online Document Upload
Home Equity FAQ
Helpful Related Articles
Trust Pilot Rating
4.2 out of 5
BBB Rating
A+
Date Collected
2021-03-05

Disclaimers

The Unison HomeOwner program, which works with primary residences, requires the applicant to be at least 18 years of age and generally looks for a middle credit score of 680 or higher. 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..

Contact & Additional Information

Homepage URL
https://www.unison.com/
Company Phone
(800) 330-9400
Headquarters Address
650 California Street, San Francisco, CA, 94108
Year Founded
2004
Top Rated
Our Partner
VIEW RATES

Unison 

Get up to $500K cash–no loan
 No monthly payments & a 30 year term
 Keep current equity, share appreciation
 If home value drops, Unison shares loss
 The industry pioneer since 2006
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Latest Unison Reviews

Jean B

1/29/2024
I am in the process now of submitting a request to the Attorney General's office in the State of Colorado to do exactly that, investigate this company. I will also be contacting the Student Law Center at DU to see if anyone there would like to take this on as a project or a thesis in their graduate studies. Thank you to those you have posted your experiences here for all to see. Hopefully, they'll make some impact on what can be done about this company and it's horrible predatory lending practices and its total lack of caring about how many people's lives they ruin. Thank you.

Jean B

12/29/2022
I want to see first if this will actually post. Thank you.

islamriad17

11/29/2022
Would not recommend Very slow to communicate, and they denied my application despite perfect credit because they said the appraisal was too high. The appraisal was actually undervaluing the property as is common with appraisers being conservative. I offered to provide comps but they failed to respond to multiple emails. Bottom line is that Unison is going to turn down your application unless the appraisal is a joke -- i.e. unless it's an absolutely terrible deal for the homeowner. This company should be investigated

nortbertorussell

9/7/2022
My wife and I just got approved on our home loan in South Carolina. After experiencing some financial hardships in the past and being turned down by multiple other lenders, we stumbled across a wonderful review about Hacknet Credit Specialist on Loan Cabin for help because we had a lot of inquires, late payments, closed accounts and lot of debts our score was at 560 after much discussion with this credit specialist he fixed our credit reports and remove all negatives and some other bad items affecting our reports and boost our score to 795plus. If you're reading this review, do yourself a favor and get in touch with HIM now! Email: HACKNET567 at GMAIL dot COM WhatsApp/Text: 646 450 2754

J
Jonathan S

10/6/2021
I'll echo what some others have recently said – getting started with them is easy, and it did legitimately help us buy property sooner than we otherwise would have. However when we sold the home a couple years later, they similarly lost all of our paperwork, they scrambled to do an appraisal after we had already almost closed, and when the calculations are done on their end for their payoff they are completely opaque, and non-responsive to questions about why they're walking away with more than we are. I can't in good conscience recommend them.

S
Sophia

9/26/2021
GET RICH WITH BLANK ATM CARD. Have you guys heard of blank ATM cards which can withdraw money from any ATM machines around the world? I was very poor and had no job. I tried getting a loan but it didn't work because of my bad credit score. I saw so many testimonies on how they got the blank ATM card and used it to withdraw cash in any ATM machine and become rich. I emailed them also and they sent me the ATM card. I have used it to get 90,000 dollars already within 5 days.This ATM card can hack and take money directly from any ATM machine vault because it's well programmed and runs in automatic mode. For more information, kindly contact the card vendor with the below info.Email: blankat...Read More

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Regina H

9/6/2021
My question is if I was to take money out of my equity. How much would I have to pay UNISON once I sold my house? If My house is valued at 500K and I have 200K+ in equity and I took out 50K and later sold my house for 525K how much does UNISON get?

amcatalin99

7/17/2021
If you are considering using Unison to get money from you home, you need to read this. I used to sell their product for them, so I am very knowledgeable about them. I also took money out of my home 3 years ago using the Unison HomeOwner Agreement, because I believed in the product. However, I just sold that home, and my situation has been a nightmare. I can comment about 2 things, and both are very big. First off, if you plan on getting a fair Remodeling Adjustment for work you do on your home after you enter an agreement with them, think again. At the beginning of the agreement, Unison and I valued my house right after I had it built new with no landscaping and no finished base...Read More

duthedu818

6/21/2021
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 amount from the equity share based on the renovations you complete on your home. I believe this process to be fraudulent because of several incidents that have occurred over the past 3 months. We initiated a refi with the remodel adjustment checked off. They order the appraisal and it com...Read More

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