Unison

Unison holds a unique position in the home equity investment market as the pioneering company that invented the HEI model. Founded in the mid-2010s, Unison established the framework that competitors like Splitero, Point, and others have built upon. This long tenure translates into significant experience, deep market knowledge, and a strong track record of serving homeowners across multiple economic cycles.

The company operates in 30+ states—the widest geographic footprint in the HEI industry. This means more Americans have access to Unison's services regardless of where they live. Combined with 30-year terms and investments up to $500K, Unison serves a broad homeowner base. Unison also uniquely offers a co-investment program for home buyers, making it relevant not just for existing homeowners but for those purchasing their first home.

Where Unison trails newer competitors is on funding speed and cost efficiency. The company typically takes 4–6 weeks to fund (compared to Splitero's 2–3 weeks or Hometap's 2–3 weeks), and effective costs are moderate at 2.5–4%. While not the highest, these costs are 1–3 percentage points higher than Splitero's. For homeowners prioritizing proven track record and accessibility, these trade-offs may be acceptable.

Unison is ideal for homeowners in states where newer competitors aren't available, those who value the company's long history and stability, and those interested in Unison's homebuyer co-investment program. The 30-year term and wide availability make Unison a reliable fallback option for most homeowners.