Unlock your home equity today.

Maximize tomorrow.

A simple way to access up to $300,000 in home equity—with no monthly payments and no interest charges, ever.
Get Started

Why Homeowners Choose Unlock

Debt Reduction

Traditional loans have monthly payments and interest charges, making it difficult to get out of debt. An Unlock home equity agreement (HEA) can help you get off the debt treadmill sooner and breathe a little easier.

Home Remodel

Millions of homeowners would rather remodel than move. Whether it’s a kitchen or bath remodel, a roof or new landscaping an Unlock home equity agreement (HEA) can bring your vision to reality.

Small Business

There is nothing small about funding a business. For the 33 million bakers, shop owners, photographers, or restaurant owners in the U.S., an Unlock home equity agreement (HEA) can help you grow your business to where you want it to be.

Build from what’s already yours.

Join the thousands of homeowners who’ve accessed their home equity without selling or taking out a HELOC, home equity loan, or reverse mortgage.

Easier to Qualify

Minimum 500 FICO1
Flexible income requirements
Limited DTI requirements

Easier to Use

Funding in 30-60 days*
Apply with no impact to credit score
Limited restrictions on fund use1

Easier to Succeed

No monthly payments
No interest charges
Access between $30k – $300k

Our Simple, Personal Approach

01

Get your estimate.

See how much equity you can unlock in less than a minute. No credit score impact. No strings attached.
02

Apply.

A dedicated home equity consultant (HEC) will guide you through the process and send you a short online application.
03

Receive an offer.

After reviewing an independent third-party appraisal and title report, an offer will be prepared for you.
04

Get funded.

After signing the closing documents, you should receive a wire transfer within a few days.

Hear from our Customers

Dawn lost her job as a bookkeeper during the first part of the pandemic.
I was looking for a way to get out of the credit card debt I had – not shift it around, but get rid of it. The Unlock HEA is not a loan – it doesn’t show up on my credit report. I’m no longer worried. I have no stress. Now my debt is gone, and since I have not added any debt, my debt-to-income ratio is much better.”
Dawn
Arizona
This was a life changing experience. It was a simple and fast process. I appreciate being able to stay in my home and tap into my equity. Highly recommend.”
Carrie
Florida
I looked at just a couple of other companies online, and Unlock’s terms were the best. Moreover, the people I talked to – all the way through the process – were competent, and explained everything perfectly. I’ve paid off all my debts, including every credit card and all medical expenses. I’ve rebuilt the nest egg and invested some of the funds. My credit score is coming back up. Now I’m in really good financial shape, and have much less stress.”
Drew
North Carolina
My financial stress burden has been lifted, and I now have ‘reserve funding’ to use for debt reduction and unexpected business expenses. I can once again sleep well at night!”
John
California
I was looking for a way to get out of the credit card debt I had – not shift it around, but get rid of it. The Unlock HEA is not a loan – it doesn’t show up on my credit report. I’m no longer worried. I have no stress. Now my debt is gone, and since I have not added any debt, my debt-to-income ratio is much better.”
Dawn
Arizona

Ready to Unlock?

See how much you prequalify for in less than a minute.
Get Started