Unison Equity Sharing Agreement Review

The oldest equity sharing company, on a 30-year term. Its complaints are about disclosure.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 9, 2026.

Our verdict

Over a 30-year term, Unison's appreciation share can cost a very large multiple of the cash advanced, and there's no APR to hold against a HELOC. It fits homeowners who want a long horizon without a forced refinance at year ten, from a company trading since 2006. Two of 12 recent complaints concern misleading advertising or missing disclosures, so read the disclosure twice.

Skip it if you need a cost you can compare as a rate, or you won't read the disclosure twice.

About Unison Equity Sharing Agreement

The oldest equity sharing company, on a 30-year term. Its complaints are about disclosure. Unison Equity Sharing Agreement is offered by Real Estate Equity Exchange, Inc. d/b/a Unison (NMLS #2574289). Our editorial rating is 3.3 out of 5.

Best for: Homeowners who want a long horizon and will read the disclosure twice.

Editorial grade: C+ (composite score 65/100).

Highlights

An Equity Sharing Agreement, not a loan: up to $500,000 for a share of future appreciation
30-year term, which is far longer than the 10 years its competitors write
Trading since 2006, which makes it the one company in this class with a real track record
15 CFPB complaints all-time, 12 in the last three years; 100% answered on time

What we like

Nearly twenty years in a product class where most competitors are under five
Shares downside as well as upside: if the home loses value, so does Unison
A 30-year term means no forced refinance at year ten, which is the pinch point on shorter agreements
Every complaint answered on time

Where it falls short

Two of twelve recent complaints are about misleading marketing and missing disclosures, on a product whose entire risk is that the customer misunderstands the cost
A 30-year appreciation share on a home that appreciates normally can cost a very large multiple of the cash advanced
No APR exists, so it cannot be compared to a HELOC on rate. It can only be compared on total dollars, over a horizon you have to guess

Fees, minimums, and rates

Monthly fee: Transaction fee plus a share of appreciation; no interest and no monthly payment. Minimum to open: Not applicable. Rates and fees last checked on September 9, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Real Estate Equity Exchange, Inc. d/b/a Unison (NMLS #2574289). It is built from Real Estate Equity Exchange, Inc. d/b/a Unison (NMLS #2574289)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Equity Sharing Agreement shortlist. The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.