Full-Time
Unison
51-200 employees
Home equity sharing for debt-free financing
No salary listed
Mid
Omaha, NE, USA
Hybrid position with a requirement of 3 full days in the Omaha, Nebraska office.
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- 2+ years of residential real estate, mortgage lending, asset management, financial services or similar experience required
- 2+ years of customer-facing experience within financial, real estate, or related industries
- Strong negotiation and conflict resolution skills to handle complicated and sometimes charged interactions with customers and those that represent them
- Excellent customer service acumen and strong written and verbal communication skills
- Ownership mentality to take initiative and make meaningful impact within the company
- Empathy and active listening skills are crucial to the success of this role
- An adaptable learner that experiments to find new solutions, takes on the challenge of unfamiliar tasks, extracts lessons learned from failures and mistakes, and develops quickly when facing new situations
- Oversee property sales and contract buyouts to ensure that both our investors and homeowners are protected
- Resolve complex asset management challenges related to home equity investments with accuracy, detail, and empathy
- Liaise between the homeowner and internal groups (compliance, operations, legal, and investment management) to maintain education and transparency
- Document all homeowner interactions to maintain a system of records that can be used to provide actionable data to help shape how we manage partner relationships
- Manage personal pipeline of servicing and asset management cases
- Identify, develop, and execute servicing and asset management processes that are efficient, scalable, and manage risk
- Work within an agile team to improve sales lead conversion
- Collaborate across operations to deliver integrated solutions to drive operational excellence
- Other duties as assigned
Unison provides a financial service that allows homeowners to access the value of their home equity without taking on debt. Instead of traditional loans, homeowners can enter into a home equity sharing agreement, where they receive cash in exchange for a portion of their home equity. This means Unison becomes a co-investor in the property, sharing in any future changes in its value. This approach helps homeowners avoid monthly payments and interest, making it easier for them to use the funds for various needs like paying off debt, funding retirement, or starting a business. Unison differentiates itself from competitors by aligning its financial interests with those of the homeowner, as both benefit from the property's appreciation. The company's goal is to make housing more financially accessible and provide homeowners with the flexibility they need to improve their financial situations.
Company Size
51-200
Company Stage
Debt Financing
Total Funding
$693M
Headquarters
San Francisco, California
Founded
2004
Simplify's Take
What believers are saying
- Unison's APR reduction to 5.34% offers competitive financing options.
- The $215 million securitization highlights institutional interest in Unison's model.
- Home price increases boost demand for Unison's equity sharing services.
What critics are saying
- Rising interest rates may reduce the appeal of equity sharing.
- Increased competition from companies like Point and Hometap threatens market share.
- Regulatory scrutiny could challenge Unison's alternative financing model.
What makes Unison unique
- Unison offers a debt-free alternative to traditional home loans.
- The company aligns its interests with homeowners through shared property appreciation.
- Unison's model provides financial flexibility without monthly payments or interest.
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Benefits
Generous PTO
Parental leave
Volunteer days
100% employer paid health coverage
Additional sick days
$2k yearly learning stipend
Monthly 1/2 day off for development
Growth & Insights and Company News
6 month growth
↑ 2%1 year growth
↓ -2%2 year growth
↓ -1%Unison Sharply Reduces Monthly Payments to about One-Third of Traditional Options, Providing Critical Financial Flexibility for American FamiliesSAN FRANCISCO, May 5, 2025 /PRNewswire/ -- As Americans face growing economic uncertainty, volatile markets, and mounting household debt, Unison Mortgage Corporation , a Unison company, today announced a significant cut in the Annual Percentage Rate (APR) for its Equity Sharing Home Loan —now* as low as 5.34% for qualified borrowers—representing substantial savings compared to traditional second mortgages.High credit card balances and early 401(k) withdrawals are becoming common coping mechanisms for U.S. households with finances stretched thin. As financial anxiety grows, many homeowners are looking for ways to unlock the value of their homes without taking on more unmanageable debt.For homeowners feeling the squeeze of today's economic pressures, Unison's Equity Sharing Home Loan delivers unmatched affordability. For a $100,000 loan, monthly payments can be as low as $306* at a 5.34% APR, compared to $1,222 for a typical 10-year closed-end second mortgage at current market rates—a savings of nearly $10,000 annually. This innovative structure frees up cash flow for households squeezed by inflation and rising debt."With economic anxiety on the rise and many Americans worried about their financial future, Unison is offering a lifeline," said Thomas Sponholtz, CEO and Chairman of Unison. "We're helping homeowners tap into the $35 trillion locked in home equity in a way that provides both immediate relief and long-term stability
New Second Mortgage Loan Product Offers Low Monthly Payments to Fund Goals, Such As Home RenovationsSAN FRANCISCO, March 7, 2025 /PRNewswire/ -- Unison Mortgage Corporation, a Unison company, today announced the launch of its Equity Sharing Home Loan in New Jersey, which provides homeowners with cash today while offering half the monthly payment compared to alternate home financing options.*The innovative Unison Equity Sharing Home Loan combines the benefits of home loans and home equity sharing agreements into a unique mortgage solution that allows homeowners to convert part of their home equity into cash with low monthly payments.Homeowners lucky enough to have a low-interest first mortgage can maintain their favorable rates, and are usually reluctant to move, opting instead to renovate or expand. Unison's Equity Sharing Home Loan is an exciting new option that homeowners can utilize to get cash with a minimal impact on their monthly cash flow."The U.S. home equity market is $35 trillion ; homeowners come to Unison in the hope of leveraging their equity to obtain cash to renovate their homes, or consolidate high-interest debt. We designed the Unison Equity Sharing Home Loan to offer a solution that suits their needs," said Ryan Downs, President of Unison."With lower monthly payments, made possible by shared home appreciation, homeowners can confidently pursue their financial goals with peace of mind."With Unison's Equity Sharing Home Loan, homeowners can:Invest in renovations and home improvement projectsConsolidate high-interest debtRefinance second mortgages for lower monthly paymentsIncrease their retirement savingsUnison vs. Other Loan OffersUnison designed an innovative new financing option that delivers lower monthly payments and is tailored to meet the demands of homeowners. Unison has taken a creative approach by combining low interest rates with a share of the property's future appreciation
Record 4.5% Year-Over-Year National Increase in Home Prices; 45 States See Equity Gains, With Connecticut and New Jersey Leading Growth. SAN FRANCISCO, Dec. 3, 2024 /PRNewswire/ -- Unison, the pioneer of equity sharing agreements, today announced the release of its 2024 Annual Home Equity Report, a comprehensive analysis of the U.S. housing market that highlights notable trends in home equity growth across states and metropolitan areas. The report is available for free download on Unison's website and offers distinct insights for homeowners, investors, media and financial analysts
The securitization is Unison's second under DBRS Morningstar's ratings criteria for the U.S. Home Equity Investments asset classSAN FRANCISCO, June 5, 2024 /PRNewswire/ -- Unison, the pioneer of equity sharing agreements, closed a securitization of $215 million of assets, supporting the U.S. Home Equity Investments (HEI) asset class and increasing access to institutional investors who want to participate in this emerging sector. This securitization is the second of Unison's to take place after DBRS Morningstar finalized their ratings criteria for the burgeoning asset class in 2023.DBRS Morningstar rated Unison's senior bond BBB, and the mezzanine bond BB, setting the precedent for this and future rated securitizations to take place.Unison's equity sharing agreements help homeowners who otherwise struggle to harvest their trapped equity, as the longtime available solutions require them to take on enormous additional debt. This transaction further enables Unison to empower homeowners to renovate their homes, save for retirement, and consolidate their debt, rather than drastically exacerbating it. Unison is proud to provide this innovative alternative both for homeowners in need and investors pursuing efficient and scalable investment opportunities into one of the largest asset classes in the world: owner-occupied residential real estate.The transaction closed June 5, 2024 and included Nomura as structuring agent and bookrunner
The securitization is Unison’s first under DBRS Morningstar’s recently finalized ratings criteria for the U.S. Home Equity Investments asset class . .