For a limited time, we'll cover your appraisal fee.*
Equity Sharing
Home Loan

Access up to $400,000 with your home equity

Pay a fraction each month compared to other lenders1

Get an industry-leading low APR of 5.597%2

Flexible use of funds and no prepayment penalities

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    Got an offer in the mail?

    Unison's Equity Sharing Home Loan is the solution for homeowners looking to make their home equity work for them.

    With competitive and flexible plans, you can confidently move forward with your projects, consolidate debt, refinance expensive second liens, or plan for retirement.

    How to Discover Your Low Payment
    1. 1Get a Payment Estimate
    2. 2Submit Your Application
    3. 3Get Approved
    4. 4Appraise Your Home
    5. 5Receive Your Funds
    Get started with Unison Equity Sharing Home Loan
    Lower Monthly Payments
    Refinance your payments, cut them in half, and enjoy your savings.
    No Prepayment Penalties
    Pay off your loan whenever it suits you, without added fees.
    Shared Appreciation Model
    Your success is our success—keeping your payments low while sharing future home appreciation.
    Flexible Use of Funds
    Renovate, consolidate debt, or plan your retirement with peace of mind.
    Start your journey today
    1. This offer is available through 6/30/2025. Appraisal fees vary from state to state. Terms and conditions apply. Please contact our loan specialists for further details.
    2. Comparative estimated monthly payments are based on an internal analysis and review through May 2025 of interest rates from 3 other leading second-lien home equity loan providers, which are averaged and applied to a 10-year amortized mortgage loan term.
    3. The example 5.140% interest rate (5.597% APR) is based on a $100,000 loan amount with a 10-year term and assumes an 800+ credit score, a 50% combined loan-to-value (CLTV) ratio, and a 40% debt-to-income (DTI) ratio. This rate is current as of 6/7/2025 and subject to change. The APR includes interest and estimated closing fees but excludes shared appreciation costs, which requires sharing a portion of your home's value increase when you sell or at loan maturity. The minimum monthly payment is 75% of the monthly accrued interest (starting at $321.25 in this example). The remaining 25% ($107.08) may be deferred, increasing the principal loan balance (negative amortization). No penalty applies to additional payments. At termination, any remaining principal, deferred interest, and the shared appreciation component is due in a lump-sum balloon payment. Your actual terms will vary based on your credit, income, loan amount, and market conditions. See our frequently asked questions for more details.