Lower Payments, No Refi: Unlock Your Home?s Equity Now

If your credit score is 680 or higher, you may be able to unlock one of your most valuable assets: your home?s equity. But traditional options often mean taking on more debt.

Unison?s Equity Sharing Home Loan offers a smarter alternative ? giving qualified homeowners access to their equity with low monthly payments and no need to refinance.
Here?s how it compares to more traditional borrowing methods.

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Why A Credit Score Of 680+ Matters

A credit score of 680 or higher is an indicator of financial health. Lenders view it as a sign of responsible money management ? and it can unlock better terms on credit cards, auto loans and especially home equity products.

According to Experian, 680 is often the minimum needed to qualify for a home equity loan or HELOC. Unison typically requires a FICO score of at least 620, but applicants with higher scores may qualify for better loan-to-value (LTV) options ? meaning more access to your equity.

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Traditional Methods Of Accessing Home Equity

Your home equity is the difference between your home?s current value and what you still owe on your mortgage. Tapping into that value can be a smart way to fund big expenses or prepare for the future ? but the traditional methods often involve trade-offs.

• Cash-out refinance: Replaces your mortgage with a new, larger one. While it may offer a competitive rate, it restarts your loan term and comes with closing costs.
• HELOC (Home Equity Line of Credit): A flexible credit line you draw from as needed ? but it typically has a variable rate, which can make budgeting difficult.
• Home equity loan: Provides a lump sum repaid with fixed monthly payments. While predictable, it adds another loan to your obligations.

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Unison?s Equity Sharing Home Loan: A Smarter Alternative

For homeowners who want to access their home equity without large monthly payments or refinancing, Unison?s Equity Sharing Home Loan offers a flexible, transparent option.

Here?s how it works:

• You receive a lump sum of up to $400,000 (or up to 35% of your home?s value, depending on location)
• For 10 years, you make low, interest-only monthly payments
• At the end of the term (or sooner, if you sell or refinance), you repay the original amount, any deferred interest, plus a 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 with Unison.

This structure keeps monthly payments low, doesn?t require you to reset your mortgage, and avoids the unpredictable nature of variable-rate products.

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When To Consider Unison?s Equity Sharing Home Loan

This product is ideal for homeowners who:

• Pay down high-interest debt without draining their savings
• Tackle major home renovations or repairs
• Fund big-ticket expenses like tuition, a dream vacation, or even a new toy (hello, jet skis)
• Avoid refinancing their current mortgage or taking on large monthly payments

Unison?s Equity Sharing Home Loan is an ideal solution for those who want to leverage their home?s equity without the usual debt burden ? giving you the freedom to invest in what matters most, while keeping your monthly finances manageable.

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Tap Into Your Home?s Value ? On Your Terms

Unison?s Equity Sharing Home Loan is built for homeowners who want financial flexibility today and a smarter way to share in tomorrow?s growth.

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Ready to learn more? Visit Unison.com and discover how your credit score and home equity could help you unlock new possibilities.

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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.