Unison Technologies
Unison Technologies operates a fintech platform letting U.S. homeowners access up to $500,000 of home equity via equity sharing agreements with no monthly payments or interest, serving 17,000+ consumers and institutional investors through securitization vehicles.
- Company typePrivate
- Founded2006
- HeadquartersYerevan, Armenia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Unison Technologies does
Unison Technologies, operating as Unison (legal entity Real Estate Equity Exchange, Inc.; founded 2006 by Thomas Sponholtz), is a U.S. fintech that pioneered the home equity sharing model. The company's core Equity Sharing Agreement lets homeowners convert up to $500,000 — or 15% of home value — into cash with no monthly payments, no interest, and no added debt for terms up to 30 years. At exit (sale, refinance, or buyout) the homeowner repays the original cash plus or minus Unison's contracted share of the home's appreciation or depreciation; risk-management features include a 5% appraisal risk adjustment (versus an industry range of 2-30%) and a Remodeling Adjustment that preserves 100% of value added by improvements for the homeowner. In September 2024, Unison launched the Equity Sharing Home Loan, a hybrid second-mortgage product combining below-market interest-only payments for 10 years with home appreciation sharing, supported by a $300 million capital commitment from Carlyle.
Unison operates through a holding structure with four regulated subsidiaries: Unison Mortgage Corporation (NMLS #2574289) for lending, Unison Agreement Corporation for equity sharing contracts, Unison Investment Management, LLC for institutional capital, and Unison Insurance Services, LLC for ancillary products. The Unison Midgard Fund serves as the on-balance-sheet vehicle for issuing DBRS Morningstar-rated securitizations; Unison has closed seven such transactions totaling roughly $1.05 billion cumulatively (largest: $443M in February 2022). On the customer side, Unison serves two distinct segments: retail homeowners (a long tail of 17,000+ individual borrowers across multiple states, acquired via a digital prequalification funnel, a direct-to-consumer website, and an inside-sales team) and institutional investors (Carlyle plus a base of DBRS-rated securitization investors). Geographic operations are U.S.-focused, with offices in San Francisco (HQ) and Omaha, Nebraska (regional hub, established March 2022), and the Equity Sharing Home Loan rolled out to Nevada and California in 2025.
The revenue model combines contingent, transaction, and recurring components: (1) realized share of home appreciation at agreement termination, (2) structuring and ongoing servicing fees from securitization, and (3) interest income on the Equity Sharing Home Loan book. Distribution is primarily direct-to-consumer via a website-based prequalification tool (soft credit pull, no score impact) and inside sales (855-864-7664), with enterprise/distribution to institutional investors handled through Unison Investment Management. The company is private, profitable growth-stage by inference (no disclosed burn), and led by a team recruited from BlackRock (CIO), PayPal/eBay (President), and Silicon Valley Bank (CFO).
Unison Technologies firmographics
Firmographics- Name
- Unison Technologies
- Legal name
- Real Estate Equity Exchange, Inc.
- Website
- https://unison.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Unison Technologies operates a fintech platform letting U.S. homeowners access up to $500,000 of home equity via equity sharing agreements with no monthly payments or interest, serving 17,000+ consumers and institutional investors through securitization vehicles.
- Ownership category
- akta.pro rank
Unison Technologies industry classification
Industry- Product category
- Home Equity Financing
- NAICS
- Securities and Commodity Exchanges (52321)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)
- akta.pro secondary industry
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
Keywords
Where Unison Technologies is headquartered
LocationHeadquarters
- HQ city
- Yerevan
- HQ country
- Armenia
- HQ region
- Asia
Offices3 records
Markets served
Unison Technologies business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Equity Value Sharing: Unison provides cash to homeowners in exchange for a percentage of the home's future change in value. At agreement end (sale, refinance, or buyout), Unison receives original investment plus or minus share of appreciation/depreciation. If home value decreases, Unison may receive less than original amount.
- Securitization Revenue: Company packages equity sharing agreements into securities sold to institutional investors, generating upfront capital and ongoing fee income from servicing.
- Equity Sharing Home Loan Interest: New hybrid product generates interest income from below-market rate loans, combined with equity appreciation sharing component.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Equity Sharing Agreement - up to $500k with zero monthly payments |
| Hybrid | Monthly | Equity Sharing Home Loan - interest-only hybrid product |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Unison Technologies product offering
Product offeringCore offering
Unison Technologies (d/b/a Unison) provides home equity sharing agreements and a hybrid Equity Sharing Home Loan that enable homeowners to convert up to 15% of their home's value (up to $500,000) into cash with no monthly payments, no interest, and no added debt for up to 30 years. In exchange, the homeowner shares a portion of the home's future appreciation or depreciation at sale, refinance, or buyout. The company funds these agreements through capital from institutional investors, issuing securitizations via the Unison Midgard Fund.
Product overview
Unison Technologies operates as a fintech company offering home equity financing solutions. The core product is the Equity Sharing Agreement, which allows homeowners to convert up to 15% of their home value into cash with zero monthly payments and no interest for up to 30 years. The newer Equity Sharing Home Loan combines traditional mortgage features with below-market interest-only payments. These products are supported by planning tools including prequalification and mortgage calculators. Unison has expanded its offerings through securitization vehicles like the Unison Midgard Fund and strategic partnerships with investors including Carlyle. The company serves homeowners seeking to access home equity without taking on additional debt.
Differentiator
Problem solved
Functional benefit
Products and services
- Equity Sharing Agreement The primary product offering that allows homeowners to convert up to 15% of their home's value (up to $500,000) into cash with zero monthly payments and no interest for up to 30 years. Homeowners share a portion of their home's future appreciation or depreciation with Unison when the property is sold or refinanced; at exit, they pay back the original amount received plus or minus Unison's share of the home's change in value (if home value falls, they may owe less than received).
- Equity Sharing Home Loan A second mortgage product combining traditional mortgage financing with home equity investment features. Offers below-market interest-only monthly payments for 10 years, with Unison receiving a portion of the home's future appreciation in exchange, layered on top of standard monthly interest payments.
- Prequalification Tool Online tool allowing homeowners to check their eligibility and estimate how much equity they can unlock. The prequalification process involves a soft credit pull with no impact to credit score, and a free quote can be obtained in approximately 2 minutes.
- Unison Midgard Fund Investment vehicle through which Unison issues securitization transactions backed by home equity agreements, enabling institutional investors to access the U.S. Home Equity Investments asset class with formal DBRS Morningstar credit ratings.
Quantifiable outcome
- 17,000+ homeowners have unlocked home equity through Unison
- +3 more outcomes
Companies that use Unison Technologies
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles2 records
Unison Technologies technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Unison Technologies partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- Sandra Taube GodardminorFormer Wells Fargo and UBS executive joined as Managing Director for Investment Strategy in Canada, overseeing strategic initiatives and client partnerships across Canadian markets for Unison Investment Management.
- VIU by HUBminorVIU by HUB partnered with Unison to simplify personal insurance for homeowners. VIU allows users to shop, compare, purchase and manage personal insurance while receiving trusted advice, providing added value to Unison customers.
- DBRS MorningstarcoreCredit rating agency that has provided formal ratings for Unison's securitization transactions, including the first DBRS Morningstar rated securitization in the home equity investment asset class.
Scale indicators7 records
Recent moves8 records
Expansion highlights6 records
Unison Technologies competitors and assessment
Company assessmentBroad incumbents
- Rocket Mortgage: Rocket Mortgage is the largest U.S. mortgage lender, offering a full suite of mortgage products including cash-out refinances and HELOCs that compete with Unison's equity access products.
- Better.com: Better.com is a digital-first mortgage lender offering refinances, home purchases, and HELOCs through a streamlined online platform. Represents traditional mortgage competition to Unison's home equity access products.
- SoFi Technologies: SoFi offers personal loans, mortgages, and home equity products as part of its broader digital banking platform. Represents competition in the broader home equity and consumer lending space.
Emerging players
- Figure Technologies: Figure is a fintech that originated in blockchain but has expanded into home equity products (HELOCs) and mortgage lending using a digital-first model. Comparable as a tech-forward mortgage lender competing for similar digital-native customers.
Direct peers
- Hometap: Hometap is a direct competitor offering home equity investment agreements that allow homeowners to access equity in exchange for a share of their home's future change in value. Operates in a nearly identical business model to Unison.
- Point (Point Digital Finance): Point offers home equity investments similar to Unison's equity sharing agreements, providing cash to homeowners in exchange for a share of future appreciation. Direct competitor in the same emerging asset class.
- Splitero: Splitero offers home equity sharing products focused on California homeowners, providing cash for a share of future home value appreciation. Direct competitor with geographic overlap in CA.
- Unlock (by unlocking.com): Unlock provides home equity agreements allowing homeowners to access cash in exchange for sharing future home value changes. Operates in the same direct-to-consumer home equity investment space as Unison.
Others
- Blend Labs: Blend provides digital infrastructure for mortgage origination and home equity products, serving as a technology provider in the same ecosystem. Relevant as an infrastructure peer enabling similar digital lending experiences.
Regional players
- HomeVestors of America: HomeVestors is a home-buying franchise that purchases properties directly from homeowners for cash, representing an alternative home equity liquidity option. Operates as a different model but addresses similar homeowner pain points.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Unison Technologies social profiles
Digital presenceUnison Technologies compliance and trust
Trust signalCompliance3 records
Unison Technologies financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unison Technologies leadership team
Management profileNumber of profiles
Profiles4 records
Unison Technologies subsidiaries and ownership
Company hierarchySubsidiaries4 records
Unison Technologies funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unison Technologies M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Unison Technologies
What does Unison Technologies do?
Unison Technologies (d/b/a Unison) provides home equity sharing agreements and a hybrid Equity Sharing Home Loan that enable homeowners to convert up to 15% of their home's value (up to $500,000) into cash with no monthly payments, no interest, and no added debt for up to 30 years. In exchange, the homeowner shares a portion of the home's future appreciation or depreciation at sale, refinance, or buyout. The company funds these agreements through capital from institutional investors, issuing securitizations via the Unison Midgard Fund.
Is Unison Technologies a public or private company?
Unison Technologies is a private company. It is classified as venture growth investor backed and is currently operating.
When was Unison Technologies founded?
Unison Technologies was founded in 2006. It employs 11 to 50 people.
Where is Unison Technologies based?
Unison Technologies is headquartered in Yerevan, Armenia, in the Asia region.
How does Unison Technologies make money?
Three revenue lines are on record. Equity Value Sharing is the primary driver. The others are securitization Revenue and equity Sharing Home Loan Interest.
Who are Unison Technologies's main competitors?
Broad incumbents on record are Rocket Mortgage, Better.com and SoFi Technologies. Figure Technologies is listed as an emerging player. Direct peers are Hometap, Point (Point Digital Finance), Splitero and Unlock (by unlocking.com). Blend Labs is listed as an others. HomeVestors of America is listed as a regional player.
Does Unison Technologies have an API?
No public API is recorded for Unison Technologies.
What industry is Unison Technologies in?
Unison Technologies's product category is Home Equity Financing. Its primary akta.pro industry code is FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination, with a secondary code of FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 52321 and its SIC code is 6162.