How it Works

Unlock gives homeowners a new loan alternative for tapping into their home equity without taking on additional debt.

The Unlock lifecycle.

At the beginning
Unlock your home equity
You can access $30,000-$500,000, depending on the home value and how much you owe on your home. Getting an estimate takes just a few seconds and won't impact your credit score.
At the beginning
Choose your terms
You decide how much equity you want to sell and on what terms. For instance, you could unlock 10% of your home equity today in exchange for 18.5% of your home's value in the future.
During the term
Breathe easy with no monthly payments
Unlock does not offer loans and there are no monthly payments to Unlock, ever. Many homeowners use the cash they get from Unlock to pay down debts and give themselves breathing room in their budget.
During the term
Live your life
You maintain control over your home and enjoy all the benefits of ownership, including the tax benefits. Unlock does not go on title except in rare circumstances. You pay all housing-related expenses as you normally would.
At the end
End the agreement when you want
You control when your agreement ends. At any time during the term of your agreement, you can end it by buying out Unlock or selling your home. You can also buy out a portion of the agreement at any time. When we settle, you pay Unlock according to the original terms (e.g. 10 for 18.5%).