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Unison vs. Point: How the Two Home Equity Options Compare Marketplace Contributor Content 16 hrs ago
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Choosing between an equity sharing agreement and a home equity investment often comes down to the details. This side-by-side compares Unison and Point on funding, cost, eligibility, and flexibility, so you can look past their similar headlines and find the better fit for your goals. Unison and Point both let you turn part of your home equity into cash today without a new monthly payment or interest, in exchange for a share of your home's future change in value. The clearest difference between them is how each sets the starting value it measures that change against: Unison applies a 5 percent risk adjustment, while Point's is far larger at 27 percent, and that gap
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affects how much of your home's future change you keep. Unison also considers the value that
Sep 12, 2026 at…
renovations may add to your home’s overall change in value while Point currently does not. Unison
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offers an Equity Sharing Agreement, and Point offers a Home Equity Investment. Here is how the
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