Feeling Crushed By Medical Bills? Discover A More Flexible Way To Regain Stability

Unexpected medical expenses can throw anyone off balance. Even with insurance, high deductibles, specialist fees and ongoing treatments can pile up fast — leaving many homeowners feeling stuck between rising costs and fixed monthly obligations.

If you’re trying to keep up with medical debt on top of your mortgage, you’re not alone. Medical bills remain one of the top reasons Americans fall behind financially, and the stress of juggling multiple payments can make it even harder to focus on healing.

Traditional repayment options — like personal loans, credit cards or refinancing your mortgage — often come with tradeoffs: higher interest rates, bigger monthly bills or the risk of giving up a low mortgage rate you worked hard to secure.

But for some homeowners, there’s a way to draw on the value they’ve built in their home without piling on more pressure when life already feels heavy.

---

What To Try Before Exploring Bigger Solutions

Managing medical debt doesn’t always start with borrowing — and for many homeowners, a few early actions can make a meaningful difference. Before taking on any new obligations, consider:

• Review every bill carefully — Billing errors are common. Ask for an itemized statement and confirm charges, insurance adjustments and duplicate line items.
• Negotiate the balance — Many providers will reduce the total cost if you request a discount, set up a payment plan or demonstrate financial hardship.
• Explore hospital financial-assistance programs — Nonprofit hospitals are required to offer assistance, and even for-profit systems often have income-based relief options that lower or eliminate what you owe.
• Check for state or federal relief programs — From charity care to medical debt forgiveness initiatives, there may be programs designed to ease the burden based on income, location or type of treatment.
• Confirm what insurance should cover — Appealing a denied claim can sometimes significantly reduce a bill, and insurers must provide clear reasoning for any rejection.
• Consolidate balances when possible — Organizing multiple bills into a single plan with the provider can make repayment more manageable — and sometimes comes with reduced interest or extended timelines.

These steps won’t solve every situation — especially when bills are large, ongoing or spread across numerous providers. And when costs pile up faster than repayment plans allow, some homeowners need a way to access additional cash without adding heavy monthly payments on top of existing medical expenses.

But when the bills are bigger than what negotiation or short-term plans can cover, that’s where another option comes in — Unison's Equity Sharing Agreement.

---

A Home Equity Approach Designed for Breathing Room

For homeowners facing large or ongoing medical costs, Unison’s Equity Sharing Agreement offers a different kind of solution — one that gives you access to your home’s value with no monthly payments and no interest. Instead of refinancing your mortgage or taking on a second loan with principal and interest due each month, the Equity Sharing Agreement uses your future equity to create space in your budget today. It’s a way to get the cash you need without sacrificing financial stability or giving up the mortgage rate you worked hard to secure.

Here’s how it works:

• Access up to $500,000, no refinance required
• Get prequalified in under 2 minutes with no credit impact
• No monthly payments and no interest throughout the 30 year term
• You can end the agreement earlier by either buying out Unison or if you sell your home
• At the end of the agreement, pay the original amount plus a portion of future appreciation (or depreciation)*

**Unison will not share in any decrease in value if you sell your home within five years of the agreement or if you buy them out without selling your home.

By lowering what you owe each month, you can redirect more money toward medical bills, ongoing treatment, or simply keeping your household steady while life gets back on track.

---

How This Could Help You Regain Stability

When medical debt becomes overwhelming, relief comes from restoring stability — not adding more pressure. Unison’s Equity Sharing Agreement may be a smart fit if:

• You need cash to handle medical expenses without taking on any monthly payments
• You want to keep your current mortgage and interest rate
• You’re juggling several medical bills and need one manageable way to move forward
• You’d benefit from freeing up space in your monthly budget while you recover or adjust
• You want the option to end the agreement early if your situation improves

You’ve worked hard to build equity in your home. In difficult moments, it can be a resource that helps you steady your finances without sacrificing the long-term goals you’re working toward.

---

If medical costs are making it hard to stay ahead, Unison can help you understand your options. Connect with Unison today to see if the Equity Sharing Agreement is the right fit for your situation.

---

Sponsored by Unison. This is promotional content and not financial advice. Consult a qualified professional for personalized guidance. Important Disclosures: The Unison Equity Sharing Agreement is offered by Unison Agreement Corp. and is not a loan. Available in select states only (currently 26 states ; see unison.com for details and eligibility). No monthly payments or interest charges, but a 3.9% origination fee plus standard third-party closing costs (e.g., appraisal, title, escrow) apply. Pre-qualification involves a soft credit check (no impact to your credit score) and income verification to ensure you can comfortably continue owning your home. Credit scores 620+ (mid-FICO) welcome. Unison shares in your home’s future change in value (appreciation or depreciation)—not your existing equity—and both parties benefit if the home value rises or share in losses if it declines. Payment occurs upon sale, buyout, refinance, or after 30 years. Home values can fluctuate; consult a financial advisor. Terms subject to change.