The great thing about my experience with Unison is actually that I began the HEI process with Hometap. I hastily started dealing with them and decided to do a little more research. That’s when I calle... Toon meer
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after a lot of research into Home Equity loans, Reverse Mortgages and Home Equity Agreements and all the pros and cons of each, I decided to move forward with a Home Equity Agreement. Again, after res... Toon meer
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The help and individual attention I received from Unison was truly terrific! Can’t say enough good things about how responsive, kind and patient my rep, Eugene K, was throughout the process. I highl... Toon meer
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Carlos Argueta was very helpful and knowledgeable. Clearly explained the process, made sure I fully understood the transaction, and was attentive to adjusting to natural hiccups that occur during the... Toon meer
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Bedrijfsgegevens
Geschreven door het bedrijf
Unison is a San Francisco and Omaha, Nebraska based company that is pioneering a smarter, better way to own your home. Until now, the only way to finance a home was by taking on debt. Through equity sharing agreements, we help homeowners access their equity flexibly with no monthly payments or interest. We enhance home affordability, reduce debt, and deliver a less risky way for homeowners, investors, and society to think about their most important asset - the home. For additional information, visit www.unison.com or follow us on Instagram and LinkedIn.
Contactgegevens
4 Embarcadero Center Suite 710, 94111, San Francisco, Verenigde Staten
- 4159924200
- together@unison.com
- unison.com
4,4
Uitstekend
221 reviews
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It was a pleasure working with Mary…
It was a pleasure working with Mary Kate Walter because of her professionalism explaining every detail made the process go smooth and easy . I would highly recommend her.
5 februari 2025
Review zonder uitnodiging
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Antwoord van Unison
Thank you for your review, Shannon. At Unison, we take customer feedback very seriously, and appreciate the opportunity to learn how we can improve our service to our homeowner partners. I have reached out to request more information so that we can better understand your experience, and why it seems to have been so negative.
Funding Process Review
Although my process took a bit longer than normal to receive the funds. I do have to "Thank" Mary Kate for helping me understand and get through the entire process. Mary Kate communicated frequently to keep me updated and aware of the processes. She was very professional and knowledgeable of the processes.
5 april 2024
Review zonder uitnodiging
Antwoord van Unison
Hello Ted, thanks so much for taking the time to leave a review. We are more than happy to pass your praise onto Mary Kate! Communication and accessibility are very important to us at Unison, and we're thrilled to hear that Mary Kate exemplified those values while working with you. If you have any questions throughout the remainder of your agreement, please don't hesitate to get in touch!
Great Experience
Easy, fair process.
Allowed me to payoff my summer home and make needed replacements in my home. Recommend highly.
15 oktober 2023
Antwoord van Unison
Hello James, and thank you for your review! We're always happy to hear the success stories of how our homeowners use their funds to live their best lives.
Without blasting this company with the…
Without blasting this company with the worse reviews possible over social media all I'll say is run, run far and fast as you can from this company. I actually will say a few things. First their customer service is a joke after being assigned a rep and a senior manager at that I had sent over 60 e-mail to him over a 3month period of time asking, pleading and eventually begging for a phone call from them and over that period of time I had never received a single phone call not one. Second I turned in all the required documents that were asked for only to have them ask for them again and again by this time I had so started working with H_____P they had me done and funded in 5wks. Unison is still asking for documentation again. People if you ever listen to what reviews say believe this one run and don't look back .
4 augustus 2023
Review zonder uitnodiging
Antwoord van Unison
Hello Russell, and thank you for taking the time to leave a review about your experience with Unison. I can assure you that it is the standard practice for our team to work timely with our homeowners and provide realistic expectations about time-frames at the beginning of the process; certainly, never receiving a call-back is not at all usual. In some circumstances, we sometimes need to request additional documents, which can cause a delay--however, I'm not sure whether that was the case here. Unfortunately, you did not respond to our request for more information about your specific experience. We do acknowledge that our equity sharing agreements are not a perfect fit for everyone, but we are committed to trying our best to help those we can, and ultimately have many satisfied customers.
We have one person to work with us.
We have one person to work with us.
(Daniel Chung)
We’ve been able to have repairs done to our home, which we did not have the funds to do the repairs with.
We were also able to pay off some bills.
22 augustus 2023
Review zonder uitnodiging
Antwoord van Unison
Hello Vivian, thanks for your review! We're so pleased to hear that you're able to make these repairs and clear out some bills. If you have any questions along the way, please feel free to reach out to our Home Partnership Team at any time!
Smooth, Straightforward Process
Equity sharing with Unison allows us the ability to renovate our kitchen and primary bathroom. It's a great solution for those who don't want a monthly payment but it needs to be a good fit based on your circumstances. I thought the process went very smoothly and our Unison Account Executive kept us informed every step of the way. I'm confident that it was the best decision for us.
27 juni 2023
Review zonder uitnodiging
Antwoord van Unison
Thank you for your review, Sara! We know that our equity sharing agreements are not a one-size-fits-all solution for everyone, and are delighted to hear that it has proven to be a good one for you. It's wonderful to learn that the funds are going towards renovations--we hope you love your improvements! Please let us know if you have any questions, at any point during our partnership.
Very positive experience
I praise Unison for how pleasant the staff interaction was during my whole process from application to receiving the funds. The process was explained thoroughly and I was allowed the time to read and reread the agreement. I give Unison a “thumbs up” for sure…..
14 juli 2023
Review zonder uitnodiging
Antwoord van Unison
Hello Vicky, and thank you very much for your review! We never want to rush anybody to sign their agreements; it's extremely important to us that our homeowners understand the ins and outs of the equity sharing agreement. Therefore, we are happy to hear that you felt you had both the explanations and the time you needed to make the best decision for yourself and your family. Please feel free to contact us with any questions that you have at any time during the length of your agreement!
Decent deal,good communication
17 augustus 2023
Review zonder uitnodiging
Antwoord van Unison
Héctor, thank you for your review! Communication is extremely important to us, so we encourage you to continue to reach out with any questions you may have throughout the course of your agreement. Thanks again!
Great Unique Product
Great Unique Product. Unison was very informative on the unique agreement they offer. It works well for my situation.
12 oktober 2022
Review zonder uitnodiging
Antwoord van Unison
Thank you, Ryan; we're so happy that our equity sharing agreement is a good fit for you! We know that our agreements are still relatively new, so we greatly value customer education and transparency so our homeowners know that they're making the best decisions for themselves and their families. If you have any questions at any time, please reach out and let us know!
"Be patient"
The process was a bit longer than I thought. But it was worth the wait. Brandon was in constant communication. I should of taken more money out, but took what I needed.
3 april 2023
Review zonder uitnodiging
Antwoord van Unison
Hello Ronald, and thank you for leaving a review. We're happy to hear that Brandon was so accessible and communicative--this is one of our core values! Please feel free to reach out with any questions that you have at any time.
Excellent service and Ethical
Excellent service and Ethical.
They are very professional and assist with any questions.
1 maart 2023
Review zonder uitnodiging
Antwoord van Unison
Thank you very much for taking the time to leave a review, Cory! It's important to us that our homeowners feel comfortable asking questions, and we hope you continue to do so as you progress through your partnership with us.
The Service Coordinator we worked with…
The Service Coordinator we worked with - Mary Kate Watson was awesome! She was always available to answer questions and when I had issues downloading documents, she would allow me to send them to her directly. She made the process very easy. The only negative thing we experience was the funding. It took longer than normal to get are proceeds. We got approved right in the middle of the debt ceiling limit debate and I am sure investors were worried about letting go of money just in case the debt ceiling wasn't raised. Shortly after it was announced that the debt ceiling was going to be raised, we received our funds. Moving forward, I just believe that once someone is approved, that money needs to be readily available. Outside of that, I have nothing bad to say about our experience.
20 april 2023
Review zonder uitnodiging
Antwoord van Unison
Hello Brent, and thank you for your review! I am happy to pass on your praise to Mary Kate, and am thrilled to hear that she was so accommodating during your application process. When it comes to the timeline before funding, we are committed to getting the funds to homeowners as soon as possible; unfortunately, this timeline sometimes varies due to factors that are beyond our control. Again, thank you for taking the time to provide a review!
Stay away!!
If I could give a - negative score I would.. it’s real simple.. if you want to keep yourself out of quicksand then stay away from Unison .. for a small investment on their part, you’ll soon loose all your equity… they make it almost impossible to refinance or buy them out.. as they increasingly pillage all your equity. Do your homework and you’ll see..
4 augustus 2023
Review zonder uitnodiging
Antwoord van Unison
Dear Kristie,
We're sorry to hear about your experience with us, though we are also thankful that you've taken the time to leave a review. Your concerns are important to us.
We do want to reiterate that Unison performs a thorough informative review with all our customers throughout the application process and provides all customers with written materials previous to signing the contract (such as the Program Guide). When an offer letter is presented to an applicant, all contractual policies are disclosed, including any fees, the original appraised value of your property, the investor percentage, and the amount that will be funded to you. Unison also encourages everyone to present the detailed terms to their financial or legal advisors for input. If you have any other concerns or questions, please feel free to contact our Homeowner Partnerships team.
Its Real
At First, I was very nervous and skeptical about this kind of agreement. I had never heard of such a program. I asked a few people and my mother-in-law and no one knew what I was talking about. Why would a company want to invest in my home, In the small town we live in? Well as the days went by and the information was asked and given, I felt more and more at ease. My Program representative Colleen always kept in contact and whenever I had a question she was there to answer. Since receiving our funds, we have been able to upgrade the Redwood Fence around the entire perimeter of our house, pour an area of concrete to make our back yard cleaner and more presentable plus now we can say our home has RV parking. We have 42 windows and two doors ordered to be replaced for the outside shortly. We are also going to look into a small master bath remodel, carpet upgrades and kitchen floor upgrade. We are so happy and as these things get done, we are so happy and are having a bit of fun doing it.
Thanks again to our Unison Team, we couldn't have done these upgrades to our home without you.
3 augustus 2023
Review zonder uitnodiging
Antwoord van Unison
Dear Crystal-
Thank you for taking the time to leave a review! We're thrilled that Colleen was so accessible, and will pass on the compliment at first opportunity. It sounds like you're doing some wonderful renovations; enjoy the end results! If you have any questions at any point about your Unison Agreement, please don't hesitate to reach out to us.
Excellent service and excellent terms…
Excellent service and excellent terms and conditions.
2 januari 2023
Review zonder uitnodiging
Antwoord van Unison
Thanks so much for your review, Masood! We appreciate the feedback.
Great Experience
The process was relatively quick, but super easy! Everyone was very helpful and communicative throughout the process. We got to do things to our home we never thought would be possible because of Unison!
31 maart 2023
Review zonder uitnodiging
Antwoord van Unison
We greatly appreciate your taking the time to leave this review--and are so happy to hear that we could help you transform your home!
Communication is deeply important to us and is rooted in our company's values, so we are especially glad to hear that our team's was on point! Thanks again.
A Lifesaver!
Although the process seemed to take forever, the outcome was quite satisfying. I had been turned down for home equity loans, but Unison offered me exactly what I needed. I will have all my credit card debt paid off by the end of this year, plus I can finally start saving more money each month. Thank you, Unison!
30 maart 2023
Review zonder uitnodiging
Antwoord van Unison
Dear Becky, we consider it a privilege to help our homeowners pursue a state of financial wellness. Thank you for your review; we are so pleased to hear that we could help you, especially where other options could not. Please feel free to reach out to us at any time with any questions you may have in the future!
Unison Preys on Older Clients / Terrible Structured Deals
I did not like that I had to take my daughter and son in law off title to be able to put the deal through even though my husband and I were the only 2 on our mortgage. I had us 4 on title, to leave the house to my daughter and they live in the home and pay half the mortgage. Plus they are taking a 70% stake / profit in the home if it sells beyond the appraised agreed price of the home to complete the deal. My husband and I are 78 years old, I felt we were taken advantage of. It took several months 4-5 months for everything to go through. It was a very bad deal, at our age we wanted to see / enjoy some equity, they know we only have so much time left. I feel they prey on older folks, and the structured deal is very bad. It makes you have to sell your house to pay them back. $84,000 loan minus fees, plus having to pay $13,000 to our mortgage company to qualify for the debt / income ratio that we were off by a small percentage amount. We saw $66,000 after all fees paid. We owe them $104,000 payoff, plus they have 70 % stake in the home if we sell above agreed appraisal amount, and can't sell our home for the first years unless we sell for the agreed upon value because they will allow themselves any losses. Brandon was in charge of our loan at Unison and communication / emails were absolutely terrible!! I had to keep sending emails asking questions / next steps, etc. He was to busy looking for the next deal and just wanting to make money off of easy deals that they'll see their money back faster such as older folks. I do not recommend this company.
15 maart 2023
Review zonder uitnodiging
Antwoord van Unison
Dear Dianne,
Thank you for taking the time to leave a review; we take feedback from our homeowners very seriously.
It is very important to us that our customers understand all of the terms of the equity sharing agreement before they sign the final contract. For this reason, we provide a plethora of disclosures and education materials, such as our Program Knowledge Guide, Program Guide, and detailed Offer Letter during the process and also strongly encourage customers to meet with financial and/or legal advisors to evaluate the workings of the agreement in detail. We are strongly opposed to making customers feel pressured to enter into the agreement, as we know the program isn't a one-size-fits-all for everyone; therefore, we don't want the transaction to feel rushed in any way.
Our equity sharing agreements are designed for long-term use--as we state repeatedly in our materials and on our website--and so, naturally, the terms for a very short term are not as favorable. In fact, if our homeowners sell their homes after the short restriction period, our investment may actually decrease. We don't charge interest or take monthly payments, because we are determined to offer homeowners a viable alternative to debt. Our Program Specialists are also always available to assist with any questions or concerns that you may have during the duration of the agreement; I encourage you to get in touch and relay your concerns as soon as possible. We are here to help, and we value all of our applicants and partnered homeowners tremendously, regardless of age or other demographic. As we say on our website, everyone has a home at Unison.
Once again, thank you for sharing your experience.
Funding delay, low inaccurate appraisal and ambiguous contract.
To begin with the appraisal on my home was too low and inaccurate. When I notified both the appraiser and Unison that they did not mention that the home had the hot water, heating and range all powered by natural gas they declined to do anything about it. In fact the appraiser they assigned the work to did not even return my emails. The funding as promised was TWO months later than they stated date range they gave me leaving me on the hook to pay interest on credit card payments that I was planning to pay off. The even larger issue is the fine print in the loan that states that the "shares" of the home they are paying for will triple to a number of shares at the end of the loan so that they own a much larger percent of your house then they originally paid for. So they are not only getting the profit in the increase value of your home but also the larger percent of shares they take. I mentioned this "gotcha" regarding the increase in number of shares to the Unison representee and she stated basically sorry but that's the contract you signed. The contract was very ambiguous on that issue. In addition the 3.9% fees are way too high.
18 juli 2023
Review zonder uitnodiging
Antwoord van Unison
Dear R. Phillips,
Thank you for bringing your concerns to our attention. Appraisals for Unison Agreements are independently licensed; each appraiser is selected by a licensed appraisal management company, which further helps to ensure the appraisal is unbiased. This practice is the industry standard. In addition, if a homeowner is not satisfied with the results, there are multiple options, including requesting another appraisal. We understand the frustration with the funding delay; however, they are at times unavoidable, and Unison is committed to communicating with our customers throughout such periods.
Unison provides a thorough informative review with all our customers throughout the application process. Unison provides all customers, including you, with written materials on at least three occasions prior to signing that walk through the details of the Unison Agreement: the Program Guide, Program Knowledge Review, and detailed Offer Letter. Unison also requires customers to sign the Unison Agreement itself at closing and provides them a copy of the agreement for their records. When an offer letter is presented to an applicant, all contractual policies are disclosed, including any fees, the original appraised value of your property, the investor percentage, and the amount that will be funded to you. If you have any other concerns or questions, please feel free to contact our Homeowner Partnerships team.
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