Access $30k to $500k of Your Home Equity with a Home Equity Agreement
An Unlock home equity agreement (HEA) isn't a loan so there are:
1) No monthly payments, or added debt
2) No need to refinance
3) Apply online in 2 minutes
Access $30k to $500k of Your Home Equity with a Home Equity Agreement
An Unlock home equity agreement (HEA) isn't a loan so there are:
1) No monthly payments, or added debt
2) No need to refinance
3) Apply online in 2 minutes
Access your home equity
With a home equity agreement (HEA), you can access the equity in your home without taking on debt or making monthly payments.
End the HEA when you want
End the HEA when you want to by selling the home or buying back equity in increments or all at once.
Breathe easy with no monthly payments
You are in control. You continue to live in your home enjoying up to 10 years to use your HEA.
Access your home equity
With a home equity agreement (HEA), you can access the equity in your home without taking on debt or making monthly payments.
End the HEA when you want
End the HEA when you want to by selling the home or buying back equity in increments or all at once.
Breathe easy with no monthly payments
You are in control. You continue to live in your home enjoying up to 10 years to use your HEA.
Unlock Agreements are provided exclusively by Unlock Partnership Solutions Inc., Unlock Partnership Solutions AO1 Inc., Unlock Partnership Solutions AO2 Inc., and Unlock Homeownership Solutions Inc., all of which are wholly-owned subsidiaries of Unlock Technologies, Inc. (collectively, “Unlock”). Unlock holds the following Real Estate Broker licenses: Arizona - CO698434000; California - 02141737; Colorado - IC100092644; D.C. - REO40000074; Florida - CQ1062618; Hawaii - RB-23715; Illinois - 478027520; Massachusetts - 423954; Michigan – 6505431174; Minnesota – 40797638; Nevada - B.1002613; New Jersey – 2185646; North Carolina - C33769; Oregon – 201243836; Pennsylvania - RB069442; South Carolina – 25463; Tennessee – 265329; Utah - 12139955-CN00; Virginia – 0226033193; and Washington – 21010143. The applicable Unlock entity enters into the Unlock agreements directly with consumers and does not act as an agent or broker on behalf of any third-party. No agency relationship shall be formed between any Unlock entity and a consumer pursuant to or in connection with an Unlock Agreement. All Rights Reserved.
- The following limitations shall apply: property must be your primary residence; no bankruptcy, foreclosure action, short sale, or deed in lieu within the previous five years; no 90-day delinquencies on any mortgage within the prior 24 months; no 120-day delinquencies on any mortgage within the prior 36 months; Unlock must be in no greater than 2nd lien position and home must be clear of any liens deemed unacceptable by Unlock (Unlock may require investment proceeds to be used in order to clear any unacceptable pre-existing liens as a condition to close); Unlock may also require investment proceeds to be used to pay off certain outstanding debts as a condition to close, including (but not limited to) paying off an amount that is sufficient to result in a debt-to-income ratio (“DTI”) of no more than 45%; minimum investment amount of $30,000; property condition rating, as described in the Uniform Appraisal Dataset (UAD), must be at least C4 or better. Each home equity agreement (HEA) is subject to additional individual underwriting review.
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