We Match Your 10% Down Payment

PRE-QUALIFY IN 60 SECONDS

A monthly payment that is a lot easier to live with at all home price levels

Real Estate Equity Exchange, Inc. - Copyright 2018

  • - Double Your Down Payment

    Make No Monthly Payments to Unison

    Avoid a Second Mortgage

    - Avoid Mortgage Insurance (PMI)

Pre-qualifying will not affect your credit score

Unison is the market leader in home ownership investment. Founded in 2004, San Francisco-based Unison makes long-term investments in individual residential properties through two innovative programs: Unison HomeBuyer, which provides a portion of the down payment needed to purchase a home, and the Unison HomeOwner Agreement, which allows current homeowners to tap into their home equity without interest or monthly payments.


An appealing alternative to the traditional home equity loan or HELOC

Unison HomeOwner offers an innovative solution for people looking to access the equity in their homes. This is not a home equity loan – this is a home ownership investment.

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You put in 10%; We put in 10%

You get a smaller loan and avoid PMI

We share in the change in value when you sell

By matching your down payment, Unison opens the door to the home you want, with less debt and risk.

With lower monthly payments and no PMI, you have greater financial flexibility.

If your home's value rises we share in the increase.  If it falls, we also share in the decrease. We win or lose together - in Unison.

How Unison HomeBuyer Works

Down payment assistance from Unison can help you get the home you really want today, with financing that meets your needs.

Hours of Operation: 
9AM-10PM EST Monday-Friday

9AM-5:30PM EST Saturday

(click to call)


Down Payment Help - We Match Your 10% Down


Unison HomeBuyer can provide up to half of the down payment funds you need.  The money we provide is an investment, not a loan, so there are no interest charges and no monthly payments.

PRE-QUALIFY IN 60 SECONDS

Assumptions: Mortgage loan interest rate of 4%; Maximum debt-to-income ratio of 45%; Annual mortgage insurance premium of 0.74% of the mortgage loan amount; Annual property taxes of 1.25% of home purchase price; Annual property insurance  of 0.3% of mortgage loan amount.

Pre-qualifying will not affect your credit score

What people are saying:

“Unison was so unique. Rather than looking like a loan, it felt more like a partnership. It enabled us to free up some money and to lower our monthly payment. It was very appealing. Taking the time to understand the program, we realized wow this is a great fit for us as a family.”


- Trevor 

San Diego, CA

Unison Homebuyer can significantly increase your purchasing power at every income level.

  • Purchasing Power with 80% First Mortgage Plus 10% Second Mortgage: $685,000   
  • Purchasing Power with 80% Loan Plus 10% Unison HomeBuyer Investment:  $741,000       

Annual Income: $100,000

Annual Income: $80,000

  • Purchasing Power with 80% First Mortgage Plus 10% Second Mortgage: $548,000   
  • Purchasing Power with 80% Loan Plus 10% Unison HomeBuyer Investment:  $593,000       

Annual Income: $60,000

  • Purchasing Power with 80% First Mortgage Plus 10% Second Mortgage: $411,000   
  • Purchasing Power with 80% Loan Plus 10% Unison HomeBuyer Investment:  $445,000       

The sample amounts in the table above demonstrate how Unison HomeBuyer can increase your purchasing power for a few different levels of income. Unison is not a lender and Unison HomeBuyer is not a loan program. Any loan terms reflected herein are for illustrative purposes only. Available loan rates and terms may differ.