About Unison

Unison is a relatively new company that focuses on using home equity to take out a loan. They are similar to a home equity line of credit but have some key differences associated with the product. They also offer a home buying product. They are currently licensed to operate in the following states:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Washington
  • Washington D.C.

Per the Unison website their process is as follows for homeowners:

  1. Check to see if you qualify – Homeowners need to check to see if they qualify after answering some questions which typically takes 60 seconds or less.
  2. Unison makes you an offer – The offer is typically for between 5% to 20% of your home’s current value.
  3. Appraisal of home – Your home is appraised and the cost of the appraisal is paid for by you (typically $500 – 700).
  4. Unison pays you – You meet with a notary to sign the agreement and within a few days the money is transferred to you.
  5. Payback Unison – Unison is paid when you either sell your home, at the end of the term or during the term when you pay them back.

The entire process takes between 13 – 23 business days typically. This is much quicker than a standard reverse mortgage or a home equity line of credit. It does have some unique advantages to the product and it does allow borrowers under age 62 who were interested in a reverse mortgage but couldn’t qualify due to their age.

Unison Reviews

Unison has the following online reviews available:

  • PT Money – 8.7 / 10 rating with PT Money
  • Yelp – 3.5 / 5.0 rating with 7 reviews on Yelp
  • BBB – A+ Rated and 2 /5 rating with 5 reviews on BBB

All reviews updated as of 9/18/18.

Additional information

Website addressView Website
Phone number1-855-920-0982
Address650 California Street San Francisco, CA 94108
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