What it Costs

Access cash, fast.

A home equity agreement (HEA) was designed with you in mind. Access your equity easily without monthly payments.

Find out your homes estimated value

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Name

First Last

You may qualify for up to $.
How much do you want to unlock?

$52,000

$30,000 $52,000

Receive in exchange for % of your home’s future value, subject to an Annualized Cost Limit of 19.9%.

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Your home’s value will be determined by an independent third-party appraiser or valuation provider.

Amount you receive represents gross investment proceeds. Transaction expenses and an origination fee of 4.9% will be deducted at closing. Transaction expenses include appraisal, title, credit and escrow fees paid to third parties and may vary depending on property specific factors.

The above estimate is for informational purposes only.

But what will you owe in the future?

Annual Change In Home Value

Years Until Settlement

This calculator is for informational purposes only.
Terms and conditions apply.

Future home value: $987,374

$221,510

$765,864

** Equity Protection Cap

How Unlock Stacks Up

		Credit Card	Personal Loan	Reverse Mortgage	Home Equity Loan	HELOC	Cash-Out Refinance
Amount	$50k	$50k	$50k	$50k	$50k	$50k	$50k
Term or Period	10 years	N/A	3-7 years	Event Based	10 years	15 years	30 years
Interest Rate	N/A	22.21%	10.73 – 35.9%	5.61%	7.74%	7.30%	6.70%
Interest Rate Type	N/A	Variable	Fixed	Variable or Fixed	Fixed	Variable or Fixed	Variable or Fixed
Average or Minimum Monthly Payment	$0	$1,416	$1,190	N/A	$606	$588	$323

Amount
$50k

Term or Period
10 years

Interest Rate
N/A

Interest Rate Type
N/A

Average or Minimum Monthly Payment
$0

Amount
$50k

Term or Period
N/A

Interest Rate
22.21%

Interest Rate Type
Variable

Average or Minimum Monthly Payment
$1,416

Amount
$50k

Term or Period
3-7 years

Interest Rate
10.73 – 35.9%

Interest Rate Type
Fixed

Average or Minimum Monthly Payment
$1,190

Amount
$50k

Term or Period
Event Based

Interest Rate
5.61%

Interest Rate Type
Variable or Fixed

Average or Minimum Monthly Payment
N/A

Amount
$50k

Term or Period
10 years

Interest Rate
7.74%

Interest Rate Type
Fixed

Average or Minimum Monthly Payment
$606

Amount
$50k

Term or Period
15 years

Interest Rate
7.30%

Interest Rate Type
Variable or Fixed

Average or Minimum Monthly Payment
$588

Amount
$50k

Term or Period
30 years

Interest Rate
6.70%

Interest Rate Type
Variable or Fixed

Average or Minimum Monthly Payment
$323

This chart is meant to provide general or average costs per financial product. Interest rates are subject to change and are dependent on credit worthiness and market conditions. Average interest rates sourced from published rates on the Wall Street Journal, Bankrate and LendingTree. Information updated on 1/1/2023.

Questions?

We Have Answers

You can sell your home whenever you want. You will need to notify us as soon as you decide to sell, so that we can prepare and avoid any hiccups in the transaction. To calculate the Unlock Share we first need to determine the Ending Home Value. The Ending Home Value is typically equal to the sale price to a bona fide, arms-length, third party buyer. It includes the fair market value of any non-cash consideration (such as a seller concession), and does not include deductions for closing costs, taxes, documentary fees, mortgage loans, other liens or secured loans, sales commissions, or appraisal expenses. We will typically obtain an appraisal to provide an independent measure of your home’s value. An appraisal will be needed if you have requested an Improvement Adjustment. We will also obtain a property inspection to determine is a Maintenance Adjustment might be required. These adjustments, when they apply, will impact the Ending Home Value that is used to determine the Unlock Share. Special provisions may apply if it appears that your sale is not arms-length, or the proposed sale price is materially different from your home’s market value. Once the Ending Home Value and Unlock Share are determined, we will provide the escrow company with a settlement statement and documents needed to release our lien on the property. At the closing of your sale, the escrow company will pay us the Unlock Share out of the sale proceeds and release our lien, ending the Unlock Agreement. How much you will receive from the sale will depend on the amount payable to Unlock, the outstanding balances of any loans secured by your property, and real estate commissions and other costs associated with the sale of your home. See the Unlock Product Guide for more details.

Unlock Technologies invests in most residential real estate (single family, condominiums, 2-4 unit properties and townhomes), including primary residence, second homes and rental properties. We currently do not invest in TICs, co-ops, raw land, or any prefabricated homes such as mobile homes or manufactured housing.

There are no monthly payments or interest charges with Unlock. Instead, we share in the value of your home according to the terms of the Unlock Agreement when you sell or decide to buy us out. At closing, we charge an origination fee of 4.9% of our investment, which is comparable to many other types of financing. You will also pay any required third-party expenses to appraise and inspect your home and record your transaction. See the Unlock Product Guide for more details, including numerical examples. Click here to access a cost calculator.

In some cases, Unlock Technologies may require you to pay off some debts, or property liens when your Unlock Agreement is originated, but we do not place any other restrictions on the net cash you receive from us at close of escrow.

Interested in a home equity agreement (HEA) from Unlock?

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