Launch year: 2004
Country: San Francisco, United States
Categories: ,
Funds raised: $40M (Series B)

Unison, home co-ownership investment

Concept description

Unison offers home buyers and owners in 31 states and Washington, D.C. the option of selling some of the future appreciation in their houses. In exchange for 10% of a home’s purchase price, Unison and its institutional investors take 33% of the appreciation when the house is sold. A Unison HomeOwner Agreement enables a homeowner to convert a portion of their home equity into cash. It provides the homeowner with a lump sum of cash today, in exchange for a percentage of the change in the home’s value (17.5% to 70%) in the future. This means there is no interest charge or monthly payments to be made.

Value proposition

Advantages  of the Unison HomeOwner program:

  • Avoid upfront costs
  • No monthly payments
  • It’s flexible
  • Up to 30 years to use the money

Illustration (Video)

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