Unison Equity Sharing Agreement Review
The oldest equity sharing company, on a 30-year term — and its complaints are about disclosure.
About Unison Equity Sharing Agreement
The oldest equity sharing company, on a 30-year term — and its complaints are about disclosure. Unison Equity Sharing Agreement is offered by Real Estate Equity Exchange, Inc. d/b/a Unison (NMLS #2574289) and currently holds an average rating of 3.3 out of 5 across 13 user reviews. It falls into the Equity Sharing Agreement category and tends to be the strongest fit 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 advertising 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 — only 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 promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
How we reviewed it
For this review of Unison Equity Sharing Agreement, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Equity Sharing Agreement shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
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Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.