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What is Home Co-Investment?

Updated: Oct 18, 2021

Just When you think you have heard it all!

I received a flyer in the mail inviting me to receive a check in the amount of almost $55,000.

Unison, We’re the future of home co-investment.

If you own a home, instead of opening a Home Equity Line of Credit (HELOC) or borrow equity using a second mortgage or using a risky reverse mortgage, the San Francisco based company UNISON has a creative plan to get into your wallet. This finance group fronts you up to 17.5% of your home’s value (subtracted from your home equity). No interest, “no added debt” and no payments. you can spend the money spend any way you would like. The catch is that you share your home equity performance with your new partner, Unison. Based on the example below, you will lose 40% of your increased home equity for unlocking and using what is already your home equity! This is a SCAM! You are forced to buy out the advance after owning the home after 30 years or when you sell the house. I am trying to fathom all of the legal issues if the home ownership transfers to an estate?

Your new partner UNISON, yes, does take the risk that your home equity may go down. But that is a gamble folks. Especially if inflation continues. Home values do not tend to go down during inflationary periods. Home prices go up, which is what Unison is gambling. And this whole scheme smells like a gamble.

An example based on an appraised value of $750,000 to create an agreed value of $731,250. Amount unlocked (paid to you) $75,000.

Sale Price

Change in Value

Unison's Share 40%

Payment to Unison

Your Payout











In contrast, borrow $75,000 in the form of a HELOC. Repay with a 10 year term at 5% interest and pay a total of $20,635 in interest and retain control of 100% of your home equity.

What do you think. Do you think the UNISON model may make sense to you? Maybe make sense in certain situations? I’d love to hear your comments!





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