Company Overview
About Unison
Unison is a San Francisco-based financial technology company that offers homeowners access to their home equity through equity sharing agreements rather than debt instruments. Under Unison's model, a homeowner receives a cash payment today in exchange for a share of the home's future appreciation or depreciation when the home is eventually sold — with no interest charges, no monthly payments, and a 30-year term. Unison manages over $1.8 billion in assets and has served more than 12,000 homeowners through its HomeBuyer and HomeOwner programs.
Business Model & Competitive Advantage
Unison's HomeBuyer program provides 5 to 15 percent of a 20 percent down payment in partnership with a traditional mortgage, enabling buyers to reach a full 20 percent down payment and avoid PMI. The HomeOwner program allows existing homeowners to tap equity without refinancing, ideal for homeowners who want liquidity for renovations, debt elimination, or major life expenses without the burden of monthly debt service. In a high interest rate environment these products attract homeowners reluctant to refinance low-rate mortgages.
Competitive Landscape 2025–2026
Unison has pursued institutional securitization of its equity agreements, completing a $443 million securitization — claimed as the largest bond of its kind — to attract institutional capital at scale. The company faces legal scrutiny with class action suits alleging misrepresentation of agreements as non-debt products, creating regulatory risk. Unison competes with Point, Hometap, and Unlock in the home equity co-investment market, which has grown rapidly as rising home values and high mortgage rates pushed homeowners to seek alternatives to cash-out refinancing.
Key Differentiators
Strong Challenger
Unison is an established challenger with significant market presence and competitive offerings in Real Estate & Construction.
Frequently Asked Questions
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