About Unlock

We provide families simple
financial solutions.

We’re not a lender.

Or a bank. We are a team of consumer finance, mortgage and real estate leaders helping the everyday American homeowner who has been left behind by the traditional home and finance system.

We enable homeowners to access home equity without getting a loan. This gives them greater flexibility and control over their finances allowing them to pay off high interest debt, make home improvements or pay for a child’s education.

For Homeowners

A home equity agreement (HEA) from Unlock is unique because of its flexible income and credit requirements. It’s a great option for homeowners who don’t qualify for home equity loans or credit lines through traditional lenders.

With a HEA a homeowner gets cash up front, which they can use for up to 10 years with no interest charges or burdensome monthly payments. Homeowners can buy back equity anytime during the agreement.

What it Costs
For Investors

Unlock provides a unique and highly efficient way to invest in residential real estate, the world’s largest untapped asset class.

We believe in a future in which the Unlock home equity agreement (HEA) is as common as debt-based home finance products like mortgage loans and home equity lines of credit.

Learn More

Home Equity Pioneers

on TrustPilot
Happy homeowners in the last year
Rating with the BBB
Average annual customer savings in interest charges
Average homeowner FICO® score increase in first 12 months
Lifetime homeowner interest savings

Unlock is helping homeowners access their equity in the following states:

Arizona, California, Colorado, Florida, Michigan, Minnesota, North Carolina, New Jersey, Nevada, Oregon, South Carolina, Tennessee, Utah, Virginia, Washington
Our People

Committed to supporting homeowners.

Jim Riccitelli

CEO & Co-Founder

Jim Riccitelli

CEO & Co-Founder

Jim has over 20 years of experience in consumer finance, with a focus on product development, strategy, management, legal and regulatory, operations and business development. Before co-founding Unlock Technologies, he spent more than a decade as Co-CEO and President of Unison Home Ownership Investors, the pioneer in the Home Equity Investment industry. Jim was previously a senior executive at Nomura Holding America’s commercial real estate lending and private equity units, and a partner in an Arizona-based mortgage brokerage firm.

Jim holds Bachelor and Master of Science degrees in Computer Science from Iona College and an MBA from Columbia University with Beta Gamma Sigma honors. He is also a Chartered Financial Analyst.

Brian Elbogen
Head of Investments
Kevin Nerney
Head of Production
Paul Tucker
Head of Platform
Dan Foster
Head of Asset Management & Co-Founder

We are experts from a wide variety of backgrounds