Sample ScenariosSee how a Unison HomeOwner
Agreement might play out for you.

At a Glance

Now that you understand how the general payment structure of our program works, let’s take a look at a few examples of what an agreement with Unison looks like over the course of time that you are living in your home. Keep in mind, since our program isn’t a loan, and doesn’t have a fixed interest rate. This should help you get a better feel for different ways the program can work in the long run, and how it can be beneficial for you and your situation.

Do I always benefit?

Here, we’ll take a look at what happens when your home’s value goes up, down, and stays the same after you’ve started a HomeOwner agreement. You’ll notice that depending on the amount of equity you choose to access in the beginning, how much you benefit in the end changes.

This example assumes:
  • The home’s value at the start of the Agreement is $500,000
  • The cash provided to the client is $50,000 (“the Unison Initial Payment”) and the amount of appreciated value to be received by Unison after the home is sold (“The Investor Percentage”) is 40%
  • The home is sold ten years after the Unison HomeOwner Agreement is made.
At the start

Then lets say 10 years after we begin working together, you decide to sell your home. In all situations, you benefit:

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Paying down your mortgage

The most important thing to remember in this situation, is that in the process of paying down your mortgage, you keep the equity you build. The below graph is to help breakdown and visualize how paying your mortgage impacts your payment to Unison at the end of the agreement. Note how the initial mortgage balance of $350,000 decreases with time (as you make the monthly payments), as well as how the corresponding equity you gain from doing so only benefits you, not Unison.

You Keep the Equity You Build

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What about remodeling?

Again, the key takeaway in the situation that remodeling projects improve the value of your home, is that you keep that added value. You can see in the graph that the increase of value attributed to the home improvement goes 100% to you. We only share in the market appreciation of the house. How can you make sure? Read more about Remodeling Adjustments here.

You Keep Gains From Remodeling Work

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The Big Picture

Let’s look at the lifecycle of your HomeOwner agreement a little differently. This should help you get a bigger picture of how the agreement fits into your whole lifecycle as a home owner. The chart below imagines the similar scenario as above, but on a 30 year timeline. In this example, you purchased your home 30 years ago and entered into a Unison HomeOwner Agreement along the way.

In 1987,you purchased your home

In 2000, you signed a Unison HomeOwner Agreement.

In 2017, you sold your home for $550,000

You can see how much of the home’s increased value would be yours and how much goes to Unison when you sell (at the end of the agreement)

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How Much Funding Can I Expect?

Frequently Asked Questions About Home Value Changes

We want you to make the best decision for you and your family. And while we do our best to explain everything, we highly recommend you carefully review the Unison HomeOwner Agreement, the Unison Legal Documents, and other materials available online. It’s a good idea to do this with family members, as well as with your legal and financial advisors. In fact, we advise you to do so. Your program specialist will be happy to provide you with all the documents necessary.

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