How it Works

Want to access your home equity?

What you need to have

  • Minimum property value $175K+
  • Home equity of at least 30%
  • Property in Unlock’s service area ()
  • 500 minimum credit score

What you can’t have

  • Bankruptcies or foreclosures in last five years
  • Late mortgage payments in last two years

Why homeowners choose Unlock

No restrictions on how you use the funds

No monthly payments

No penalty for settling early

No impact to your credit score

No income requirements

No need to replace your mortgage

The keys to unlocking your home equity:

01

Get
Pre-qualified

Enter your address and contact information to see if you qualify.

02

Submit Your
Application

Apply in minutes and upload required documents to get your initial offer.

03

Discuss Your
Options

Talk with a home equity officer about your questions.

04

Finalize
Offer

Approve your offer after a third-party appraisal and title report.

05

You’re
Done!

Get funded within three days of signing your closing documents.

Take our quiz to see if you qualify

1. Does your property have an appraised value of at least $175,000?

2. Is your property in state served by Unlock? ()

3. Do you have at least 30% home equity?

4. Do you have a credit score of 500 or higher?

5. Are you free of any bankruptcies or foreclosures in the last five years?

6. Have you paid your mortgage on time (no delinquencies) for the last two years?

If you answered YES to every question, you could be eligible for a home equity agreement (HEA).

Find out how much you can access today

Learn more about how HEA’s work

Ready to Unlock?

See how much you pre-qualify for in less than a minute.

Get Started