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Unison Reviews

Rated 3.2 based on 36 Reviews

650 California St, San Francisco, CA 94108, United States

Financial Services San Francisco

Published on
July 10, 2025
Last updated
July 10, 2025

Reviews Summary

Unison’s home equity sharing agreements receive mainly negative sentiment in customer reviews, with consistently reported issues in closing processes and communication. While some reviewers cite benefits such as the lack of monthly payments and mention specific staff who were helpful or responsive, the majority highlight substantial drawbacks. Notable concerns include slow or unresponsive customer service, difficulties during contract exits, and issues with appraisal and remodeling value adjustments.

Main themes across feedback are the complexity of Unison’s financial product, challenges in redeeming equity, and a lack of transparency in contract terms and processes. Multiple customers report significant financial impacts from the agreement structure, and some allege predatory lending practices or frustrating experiences during payoffs. The process for handling upgrades or remodels to homes is repeatedly flagged as problematic, with claims of inadequate or delayed value adjustments. Delays and confusion during appraisal or refinancing also recur in several cases.

Overall, Unison is regarded as a controversial home equity sharing provider with mixed-to-negative consumer reputation. While some clients found the arrangement convenient for accessing equity without payments, the service is frequently described as difficult to navigate and costly in the long term. In the United States, reviewers caution prospective customers to carefully read terms and explore alternatives before signing a Unison Agreement.
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What Customers Are Saying About Unison?

Mary Kay was always helpful

very friendly to deal with

funding was completed on schedule

I highly recommend this as an alternative

exceeded our expectations

Trustguide extracts key phrases from reviews about Unison and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 20% of Unison's customers had a positive experience.

Positive
20%
Neutral
10%
Negative
70%

Unison Ratings

5

As of Based on 36 revies as of Jul 10, 2025

Unison Score

20%

As of Based on 36 revies as of Jul 10, 2025

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Customer Reviews

As of Jul 10, 2025, 36 customers have reviewed this business and rated it 3.2 Star out of 5. Trustguide conducted an in-depth analysis of Unison's publicly available reviews View source

John Wheaton rated Unison 1 stars
8 months ago
The Unison Agreement (UA) has it's place in the world of home finance. You should be fully informed before agreeing to taking on a UA so doing your research is mission critical. We took on a UA in 2007 when values crashed. By 2016 our home value was back at the level seen in 2007. Since we didn't have to make payments, we thought paying the UA off wouldn't be a wise use of capital. In hindsight, we should have since our home value doubled by 2024. The UA took a significant bite out of our sale proceeds and could have been avoided with an early payoff. As they say "live, and learn". What you should know: 1) There are other options that may require payments, but do not take equity growth as part of the payoff. Consider an Interest Only loan, or a Balloon Payment loan - both often will be private financing options - and take care of a temporary financial issue you may be facing. 2) Unison will tell you "Oh, we have refinance options available" and yes, they do. Just be sure you're OK with a really, really terrible ARM or a fixed loan with a rate 4-5 percent above what you're paying today. 3) Know that the exit process will be an uphill slog. Their staff is easily confused, unwilling to think outside the box, and not really in a hurry to help you. We nearly missed our sale escrow closing date because the appraisal wasn't ordered in a timely manner. I had to re-send documents a few times because they don't have a process that confirms receipt of the documentation. My contact at Unison left for a vacation 4 days before our closing date, did not let us know they would be gone, and handed the deal off to someone who knew zero about our deal. Luckily that person really tried to "right the ship" and get us back on track, but odds of getting someone like that who is willing to help are narrow to say the least. I've seen reviews where the appraisal product they order and receive is "not what they wanted" and they try and order another appraisal. Do not let that happen since it's a very, very gray legal area, and one that favors the lender (Unison) over the borrower (you) in almost every case. So to summarize - The UA is there for a reason and that reason may fit your needs. Know what all of your options are before signing up. Be ready for a difficult exit plan. Finally, be sure you are comfortable with your first loan terms as you have to stick with them throughout the term of the UA - even though they will tell you otherwise....
David Eisenstadt rated Unison 4 stars
a year ago
There came a point in my life where I had lots of equity in my home that could be put to better use for me and my family; so I investigated several ways of tapping that equity that would give us the best outcome for what we wanted to accomplish. After checking out home equity credit lines, reverse mortgages, home equity sharing, and getting a second trust dead, I decided that home equity sharing was the best option for our specific situation and checked out three different home equity sharing companies. After some time and thorough comparisons I settled on Unison. Unison assigned Mary Kay Walton to me as my contact and representative. Mary Kay was always helpful and responsive and kept me up to date on the process. There were no hiccups and the funding was completed on schedule.
Neal Adams rated Unison 5 stars
a year ago
Unison is a unique and very different way to tap into the equity in your home without adding any extra monthly payments. They share in the increased value of your home (or even in a loss of value!) in exchange for loaning you money that you do not need to make any payments on or any accrued interest either. You only owe them when you sell your home and you can take up to 30 years to pay them back. I was in a situation where I needed money from my equity but was not in a position to refinance nor make extra monthly payments. Unison was a life saver for me. I calculated out doing a cash-out refinance and the extra payments and interest I would pay as opposed to a Unison loan and I was still better off financially with this loan with the added benefit of no extra monthly payments. They were very friendly to deal with. I had an answer quickly and everything was taken care of online, with a couple phone calls and a home inspection and appraisal. Everything from start to finish (funding) was only about 3 weeks. I highly recommend this as an alternative to a home equity loan. Do the math and decide for yourself.

Frequently Asked Questions About Unison

How long does the Unison funding process typically take?

According to customer reviews, the funding and agreement process generally takes about three weeks from start to finish, including online applications, phone interactions, and required home inspections and appraisals.

Does Unison offer fair market credit for remodeling or upgrades?

Some reviewers report dissatisfaction with how Unison applies remodeling adjustments, stating that value credits may be less than expected and the calculation process can be unclear or limited by appraisal outcomes.

What are the key financial obligations when exiting a Unison Agreement?

Exiting a Unison Agreement typically involves an appraisal and a share of your home’s increased value being paid to Unison. Reviews note that the exit process can be challenging and may involve delays or unexpected financial impacts.

About Unison

Financial Services
Unison offers home equity sharing agreements to homeowners seeking access to cash without incurring monthly payments or taking on traditional debt. The company partners with homeowners by providing funds in exchange for a share in the future appreciation or depreciation of the home’s value, typically paid when the property is sold.

Unison conducts its transactions primarily online, requiring appraisals and home inspections as part of the process. Agreements are structured with defined terms and include provisions for remodel adjustments and refinancing. Customer interactions typically occur via dedicated representatives, phone, and email, with documentation and funding processes coordinated digitally.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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