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How a Home Equity Agreement Works
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LEGAL







PRIVACY POLICY

We take the security and safety of our customers’ personal and confidential
information very seriously. We want to do what we can to help you guard against
any disclosure of personal or financial information that could lead to the
unauthorized use of your account or to identity theft.

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Download Federal Privacy Notice




TERMS OF USE

At Unlock, we’re committed to preserving the integrity of the relationship with
you and providing the best experience on our websites. Use the links below to
learn about our site terms, viewing recommendations, and intellectual property
protections. If you do not agree to these terms without limitation or exclusion,
you should exit this site.

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CONSUMER CONSENT AND AUTHORIZATION FOR ELECTRONIC DISCLOSURES

Unlock conducts business electronically. If you choose to create an account and
apply for an Unlock agreement, you will not receive paper copies of important
notices, agreements and disclosures. In the process of transacting with us, you
may be providing your consent by checking a box or clicking a button as if you
had given your signature on a piece of paper.

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CREDIT AUTHORIZATION

To assess your eligibility for an Unlock program, we may order reports and
related information about you from one or more consumer reporting agencies, such
as TransUnion, Experian, and Equifax.

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LICENSES

Unlock is a licensed Real Estate Broker in the markets in which we operate.

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CALIFORNIA PRIVACY NOTICE

When it comes to your rights as a consumer, we want to make sure you have
everything you need to make informed decisions. Expand the section below to
learn more about how your personal information is used.

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Download California Important Privacy Choices


© 2022 Unlock Technologies, Inc.All rights reserved.
TermsPrivacyDo Not Sell My Private Information

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 * 548 Market St #31036 San Francisco, CA 94104

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 - 4 2 3 9 5 4; 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. Terms and conditions apply. The following
limitations shall apply to credit scores of 550 or less: no bankruptcy, short
sale, or deed in lieu within the previous five years; no more than one 90-day
delinquency on any mortgage within the prior 24-months; a minimum investment
amount of $30,000; property condition rating must be C4 or better, as described
in the Uniform Appraisal Dataset (UAD); acceptance of all liens on the property;
investment proceeds to pay off certain outstanding debts as a condition to
close; and a minimum debt-service coverage ratio (DSCR) of 1.25x for investment
properties.