Personal Finance
Lower Payments, Less Stress: A Smarter Way To Tap Your Home Equity
A fresh approach helps you unlock your home's value without refinancing or taking on heavy monthly debt.
Household costs add up quickly — from utilities and repairs to family obligations. Many homeowners look to their equity as a smarter way to ease monthly stress and cover what matters most. The challenge? Traditional borrowing methods often mean high monthly payments, long-term debt, or restarting your mortgage altogether.
To avoid those trade-offs, more homeowners are exploring a different kind of solution: Unison’s Equity Sharing Home Loan. It isn’t a refinance or a typical second mortgage — it’s an innovative way to unlock your home’s value, ease monthly pressure and give yourself more financial breathing room.
Why Traditional Options Fall Short
If you’ve ever considered a cash-out refinance, HELOC, or home equity loan, you know the trade-offs:
- Cash-out refinance: Resets your mortgage, extends your timeline, and adds closing costs.
- HELOC: Offers flexibility, but with variable interest rates that can make budgeting unpredictable.
- Home equity loan: Provides a lump sum with fixed payments, but often comes with steep monthly bills.
These options may work for some, but they can feel like adding more weight when what you really need is relief.
How Unison’s Equity Sharing Home Loan Works
Unison’s Equity Sharing Home Loan is structured to keep payments low and manageable, while still giving you access to your equity. Here’s how:
- It’s a 10-year, fixed-rate interest-only loan. You pay up to 75% of the interest due each month, while the remaining 25% is deferred until the end of the loan term.
- When the loan ends — or sooner if you sell, refinance, or pay it off — you repay the original loan amount, any deferred interest, and Unison’s fixed share of your home’s appreciation.
- Example: If you borrow 10% of your home’s value, you’ll typically share 15% of its future appreciation.
This setup can reduce second mortgage payments by 50 to 70%, giving you more flexibility to manage everyday expenses, fund home improvements, or plan for the future.
Renovating? Keep More Of What You Build
Unison also offers a Capital Improvement Adjustment that ensures you benefit fully from eligible home upgrades.
- After three years, if you’ve used licensed contractors and documented the work, an independent appraiser will measure how much value your improvements added.
- That increase is excluded from Unison’s shared appreciation calculation, so you keep 100% of the equity your upgrades created.
From a remodeled kitchen to new energy-efficient windows, your investment in your home remains yours.
Why This Could Be the Right Fit for You
Unison’s Equity Sharing Home Loan may be a smart choice if you want to cut your second mortgage payment by up to 70%, avoid refinancing your first mortgage, or need flexibility for everyday costs, tuition, or medical bills. It’s also a strong option if you plan to invest in renovations and want credit for the value they create.
Lower payments and less stress don’t have to mean giving up on your financial goals. With Unison’s Equity Sharing Home Loan, you can tap into your home’s value in a way that’s flexible, transparent, and built to give you more breathing room.
Discover how Unison’s Equity Sharing Home Loan can help you unlock your equity and take control of your financial future today.
Disclaimer: This article is sponsored by Unison and provides general consumer information only. It is not financial, legal, or investment advice. Consult a qualified professional before making decisions about home equity products. Borrowing against home equity involves risks, including increased debt, potential loss of equity if property values decline, and foreclosure if payments are not made. Unison’s Equity Sharing Home Loan requires a minimum FICO score of 680, at least 30% home equity, and other eligibility criteria; repayment includes the original amount, deferred interest, and a share of future home appreciation. Terms and availability vary by location. Contact Unison for details. This article contains links to third-party websites, which we do not endorse or control. Access these links at your own risk. Statements about home value appreciation are forward-looking and based on assumptions; actual results may vary.
