Unlock

Unlock has carved out a unique position in the home equity investment market by allowing homeowners to access the highest percentage of their home's value. While most HEI providers focus on accessing 10–15% of home equity, Unlock enables qualified homeowners to tap up to 15–20% of their home's total value. This translates to more cash upfront for homeowners with substantial equity.

The company started strong on the West Coast, where it has built significant market presence in California, Oregon, Washington, and surrounding states. The team has invested in local market expertise and partnerships, making the application process smooth for West Coast residents. Unlock has recently expanded into additional states, including Arizona, Colorado, Florida, and others, making it increasingly available across the country.

Unlock's 10-year term is standard for many HEI providers, offering moderate flexibility for homeowners. The company emphasizes transparent pricing and works to keep effective costs competitive (2–3.5%). For homeowners who need access to a larger percentage of their home value and appreciate the West Coast company's approach to customer service, Unlock is a strong contender.

Unlock is ideal for West Coast homeowners with high equity seeking maximum liquidity, those who need more than 15% of home value, and homeowners comfortable with a 10-year settlement window. The growing geographic availability makes it increasingly relevant for homeowners across the country.