Unison  Bewertungen 

Inaccessible, lack of knowledge and accurate advice

All was good. Thx

My experience was wonderful with Unison. My rep was fast to respond and very knowledgeable.

For our family, this was a good move for us, especially in this crazy economy, gave us the economic freedom we needed without the burden of the usual equity programs. May not be for everyone but it was for us. The staff were polite, supportive and professional.

I put a large down payment on my home to avoid a big mortgage and minimize my monthly mortgage payments. The only drawback to this approach was that almost all my money was tied up in the home and it seemed as if I would never have direct access to that home equity until I sell. I knew I could get a home equity line of credit (HELOC) or eventually refinance if I needed cash, but a HELOC increases my debt and I would have to wait until I pay off at least some of my mortgage and interest rates drop significantly before refinancing would be a prudent decision.

I was wondering if there was a way to tap into my home equity without a HELOC or refinancing and one day I received a letter/offer from UNISON regarding a co-investment opportunity. It was as if they knew what I was trying to do and were providing a solution.

I contacted UNISON and expressed interest in pursuing the co-investment opportunity. The application process was relatively smooth and straightforward. Before I knew it, I was approved for the co-investment and received an offer. The UNISON co-investment allowed me to unlock a generous portion of my home equity without increasing my monthly expenses at all.

The way it works is that UNISON invests a sum of money in your home that you receive directly into your bank account or by check and when you eventually sell, they get back their initial investment plus some of the home appreciation value that occurs during the investment period. UNISON does get a significant percentage of the home appreciation value upon sale of the home. The percentage of the appreciation value they receive varies depending on the amount of their investment. The more they invest, the larger percentage of home value appreciation they receive upon termination of the co-investment contract.

The co-investment agreement with UNISON made a lot sense for me, since I really wanted to unlock some of my home equity now to have cash available for home improvements, major expenses and simply more financial flexibility and freedom without refinancing or getting a HELOC. It is win win for both parties.

Please, please do your homework. Look at the amount Unison is "lending" you now and look at the amount you will be paying them when you sell your home or "buy out" of the agreement. It is unfathomable that this is legal. I have clients who received approximately $80K about three years ago. The house was undervalued by Unison's "independant appraisal". Now, they are going to sell the house and they have to pay 70% of the "profit share" to Unison. This means that if they sell at a value of about 50% higher (which is what Unison estimates that house is now worth) they will have to pay them about $275,000!! So in just three years, Unison will have made $195,000!! My clients are retired and can no longer afford the upkeep of this house. They need every penny to move into a smaller home and these theifs will be taking most of the equity from their family home. Unconscionable!

After signed final package. Waited for 15 business days to fund as contract. Funding did not happen but instead received a notice delay for 60 days or longer. This company is fake.

The process was easy and progressed smoothly. I appreciated the training you are required to complete during the application so that you understand the process.

My wife and I had a great, professional experience with Unison and its team. We were always kept up to date with the process and we felt this was a better route to go versus refinancing and changing our interest rate, which is now 3%. There was a delay of about a week with the funding but we were made aware of that, so no surprises. This may not be for everyone but it works for us and we are able to get a lot of projects done on our house.

Gary, Florida

Unison staff was very clear from the start. Their booklet tells all and is easy to follow. Ben Vu kept us informed along the way and was candid about any delay or mistakes on their part. This type of loan may not be for everyone but it certainly was life changing for us.
Do your homework and educate yourself and you might find this is exactly the loan you need.

Very easy to work with and they explained everything throughly.

Overall pleasant experience.
Only thing was my agent went on vacation during the underwriting process so it took longer then anticipated.
Once everything was signed and notarized it took less then a week until the agreed Value showed up on my bank account. Now I got the down payment on hand to secure my dream-house / retirement property without worrying about an incredible high interest rate/ mortgage.

I got this offer in the mail. I would usually pitch offers like this but it seemed different, probably too good to be true. I'd never heard of shared equity and I was very suspicious but curious. Still thinking looking for a scam or some fine print, I pressed on with Unison and found there were others doing this. So I applied to all 3 that I found. The other 2 decided that my debt to value was too high. Unison said the same thing but they could, essentially loan me the difference. All of them were wrong because my home was worth a lot more than any other their estimates. I was still not convinced but curious so I continued.

I then realized that I was getting explanations of overall concept and the process, but never a sales pitch. That was unexpected.

When the appraisal was done and the actually numbers were presented, I everything was explained with real numbers. I poured over them to find the scam or at lease, the "fine print" and I didn't see any of it. My personal situation - age, income, home value, etc - made the transaction make sense and I continued. The only surprise I got, was at closing, and involves the Option, Unison has to essentially buy me out for a fixed amount. That had never been mentioned. But given my personal situation factors, I didn't see it being an issue.

I closed and got money into my account days sooner than I expected. Money actually in the bank helps allay some earlier mistrust.

I was in a good financial state before this but this just made it better. I have made home improvements, upgraded my vehicle, saved, invested, shared with my kids and will be traveling until age and health stop me.

I'd recommend anyone research this plan and see if it fits. For me, it's a lot better than a straight refi, second mortgage or personal loans. Unison does not own or have much say in what I do with my home. They have invested in a very strong jealestae market where home values have been and will probably continue go up. That will be to their and my benefit and, unless I live to 102, I have control of when and if I sell. They stand to make a great profit if this trend continues, they also get to share if the value decreases. I also keep the equity I built before we did this. This was a good thing for me.

I will also recommend Unison for their honesty, efficiency and cordiality. It's been a good experience for me.

Unison made it very easy to tap the equity in my home. Straight forward application process then outstanding follow through as the application progressed. I would recommend to anyone looking to take advantage of home equity without another mortgage or HELOC. Great experience.

We had a very pleasant experience with Unison! Shout out to Brandon Hutslar!
Our questions were answered & concerns were addressed in a timely manner.
I must say, we were well taken care of all throughout the process, Brandon kept us on the loop as to where we are at & what the next steps are. Even when he was out of the office, he made sure somebody will be able to assist us if needed. Thank you!

The overall experience was decent. The only issue is that there are hidden fees that pop up at the end. 3% transaction fee was unexpected. Appraisal fee and lawyer fees were expected.

Everyone was great to work with. Very informative, no hidden small print and straight forward.

The team at Unison was very helpful and always available to answer my questions and guide me through the process.
Also, a big shoutout to Justine who was just amazing to work with.

I am glad that I found Unison and was able to unlock the equity of my house.
As both of us are retired I think it would be difficult for us to get a traditional home equity loan.
I think that their offer is fair and the whole process from application to approval was quite smooth.
Daniel was the program specialist, and he was very helpful and responsive in answering my questions.
I am happy with the whole experience.

The whole process landed up being much slower than I'd been led to expect. One part of that was issues with underwriting that needed to be cleared up, but even after everything was sorted out it took quite a bit longer for funds to be transferred. That said, my main Unison contact was mostly responsive and helpful; that is, even though they initially left me in the dark about the underwriting issues, they became a bit more proactive later. One good part of the service is the clarity and ease of understanding in terms of general information.