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FRONT PAGE / BUSINESS AND MONEY / Is Unison Legit? What Homeowners Should Know Before They Apply
© ISTOCK
Business and Money
IS UNISON LEGIT? WHAT HOMEOWNERS SHOULD KNOW BEFORE THEY APPLY UNISON IS A LEGITIMATE COMPANY OPERATING IN THE HOME EQUITY FUNDING SPACE. ITS EQUITY SHARING AGREEMENT CAN BE UNFAMILIAR AND COMPLEX FOR HOMEOWNERS, BUT IT IS A LEGITIMATE FINANCIAL PRODUCT
PUBLISHED ON AUGUST 11, 2026
F
ounded in 2004, Unison has more than 20 years of experience helping homeowners unlock the wealth tied to their homes. It offers Equity Sharing Agreements to support flexible access to home equity.
For many homeowners, equity sharing is a less familiar concept than home equity lines of credit (HELOCs), making it hard to determine whether Unison and its services are legitimate. Before committing to any financial transaction related to your home, it’s worth understanding more about what Unison is and how it works.
What Is Unison? Unison is a San Francisco and Omaha-based company that’s been in the home equity space since its founding in 2004. Unison says it’s worked with more than 17,000 homeowners and unlocked over $1.02 billion in home equity, and as of July 29, 2026, it holds a “Great” rating on Trustpilot, coming in at 4.6 out of 5. Unison is A+ rated with the Better Business Bureau and has been featured in USA Today, Forbes, and other publications.
What Is Equity Sharing? Equity sharing is a way to access the value in your home without having monthly payments, as it doesn’t involve taking out a loan. Instead of borrowing against your home and paying interest, you can unlock funds up front while Unison shares in the future change of your home’s value. There’s no interest charged and no monthly payment required. Usually, the agreement is settled when you sell the home, refinance, or reach the end of the term. At that point, Unison receives the original amount it provided, plus or minus its agreed share of how your home’s value has changed since the agreement began. The closest comparison to Unison’s Equity Sharing Agreement is a Home Equity Investment (HEI), which is offered by competitors like Point or Hometap. However, because most homeowners are better acquainted with traditional lending options like HELOCs, it
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