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Original Agreed Value = Appraised Value – 2.5%

There are no monthly payments and no interest charges on this $50,000.Īt the start of the agreement, you also know your Original Agreed Value (OAV). In this example, you get $50,000 in cash from Unison. Percentage of your home’s value you receive upfront: Say that an appraisal finds your home to be worth $500,000, and you’re looking for a co-investment with Unison of $50,000. (This is usually determined by multiplying the percentage of your home’s appraised value by four.)

Investor Percentage: the portion of your home’s future change in value that is paid to Unison when the agreement ends.

Co-Investment: the amount of cash you receive from Unison.

Ending Agreed Value: the value that’s agreed upon at the end of your Unison contract, based on the sale price or a third-party appraisal.

Original Agreed Value: your appraised value at the start of the agreement minus a 2.5% risk adjustment fee (which we’ll discuss later in the article).

Original Appraised Value: the estimate of your home’s value today as determined by a third-party appraiser.

To best explain how this works, there are some definitions we need to cover that are specific to Unison.

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When you sell your home or your term ends, you’ll owe Unison its original investment amount plus its share of your home’s change in value. You can also buy out the company’s stake in your home after five years. Instead, you pay the company an amount equal to its initial co-investment plus their share of your home’s appreciation when the term expires (or when you sell your home). This is not a home equity loan, a HELOC, or any other debt product you don’t have to make monthly payments, and there are no interest charges. In other words, they invest in your home hoping it will go up in value. We know we can only be successful if we take your trust in us seriously!Unison gives you money today in exchange for a share of your home’s future value. Our brand,, stands for accuracy and helpful information. The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity.

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If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime. Partners may influence their position on our website, including the order in which they appear on the page.įor example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. The following companies are our partners in Home Equity Loans: Quicken Loans, New American Funding, PNC, Bethpage Federal Credit Union, AmeriSave Mortgage Corporation, Hometap, Unison, Magnolia Bank, Veterans United, and Zillow Home Loans. To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.