How Unlock works.

Unlock invests in your home. We give you cash today in exchange for a percentage of your home’s future value.

The Unlock lifecycle.

At the beginning

Unlock your home equity

Unlock will invest in your home, paying you cash today. You can get $30,000-$500,000, depending on your home value and the amount of debt on your home.

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 16% of your home's value in the future.

During the term

Breath 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 16%).

Get Started

See for yourself what you can Unlock

Why Unlock may be a great financing option for you.

Unlock has no income requirements and we can make offers to homeowners with credit scores as low as 550. The contract is valid for up to 10 payment-free years.

Unlock benefits

Frequently asked questions.

Have more questions?

Go to FAQs

How does Unlock work?

Unlock is a real estate investor. We pay you, in cash, for the right to share in the proceeds from selling your home in the future. In a typical transaction we might provide cash equal to 10% of the home value today in exchange for 16% of the home value in the future.

The investment Unlock makes is not a loan. There are no monthly payments - not now, not ever. You can use the proceeds any way you want, and you continue to own your home just as you always have.

When you are ready to sell your home, we share in the proceeds according to the terms (e.g. 10% for 16%). You can also buy us out based on an appraised value without selling your home.

Who qualifies for Unlock?

Because there are no monthly payments with Unlock, there is no income requirement to use the program.

Homeowners need to have sufficient equity built up in their home, typically at least 20% of the home value. The more home equity you have, the more cash we can provide. Homeowners must have a minimum FICO score of 500. In some instances Unlock may request verification of income to compensate for other factors which may affect the risk of the transaction for our investment, for instance if the property is used as a rental property we may want to verify the rent.

Your Investment Officer will always provide the list of required documentation to apply and be approved for an Unlock Agreement.

Homeowners can check whether they are eligible for an Unlock Agreement on our website .

How much can I get from Unlock?

See for yourself now.

In general, the maximum amount of cash available from Unlock is $500,000. The specific amount we can offer you depends on four things:

Your home's current value. The more your home is worth, the more cash is available.
Pre-existing housing debt. This includes all mortgages and credit lines secured by your home. The less housing debt you have, the more cash is available.
Your credit worthiness. A good credit track record may qualify for more cash.
The use of the property. We may be able to offer more cash for owner occupants.

Note that these factors can affect each other. For instance, an expensive home with a lot of debt may qualify for less cash than a less expensive home with no debt.