Unlock invests in your home. We give you cash today in exchange for a percentage of your home’s future value.
Get StartedUnlock 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 benefitsUnlock 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.
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 550.
Homeowners can check whether they are eligible for an Unlock Agreement on our website.
In general, the maximum amount of cash available from Unlock is $500,000. The specific amount we can offer you depends on four things:
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.