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WE RESPECT YOUR PRIVACY

Welcome! We’re glad you’re here and want you to know that we respect your
privacy and your right to control how we collect, use, and share your personal
data.


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   * Customer StoriesUnlock customer stories and reviews

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   * Unlock Insights
   * Customer Stories

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UNLOCK YOUR HOME EQUITY TODAY.

Access between $30,000 to $500,000 in home equity—with no monthly payments and
no interest charges, ever.
It’s not a loan, it’s a home equity agreement (HEA).
Apply Today!




BUILD FROM WHAT’S ALREADY YOURS.

Join the thousands of homeowners who’ve accessed their home equity without
selling or taking out a HELOC, home equity loan, or reverse mortgage.


Minimum 500 FICO1
Flexible income requirements
Limited DTI requirements

Funding in 30-60 days*
Apply with no impact to credit score
Limited restrictions on fund use1


No monthly payments
No interest charges
No need to refinance
Learn More



WHY HOMEOWNERS CHOOSE UNLOCK


DEBT REDUCTION

Traditional loans have monthly payments and interest charges, making it
difficult to get out of debt. An Unlock home equity agreement (HEA) can help you
get off the debt treadmill sooner and breathe a little easier.


HOME REMODEL

Millions of homeowners would rather remodel than move. Whether it’s a kitchen or
bath remodel, a roof or new landscaping an Unlock home equity agreement (HEA)
can bring your vision to reality.


SMALL BUSINESS

There is nothing small about funding a business. For the 33 million bakers, shop
owners, photographers, or restaurant owners in the U.S., an Unlock home equity
agreement (HEA) can help you grow your business to where you want it to be.


HEAR FROM OUR CUSTOMERS

Dawn lost her job as a bookkeeper during the first part of the pandemic.
I was looking for a way to get out of the credit card debt I had – not shift it
around, but get rid of it. The Unlock HEA is not a loan – it doesn’t show up on
my credit report. I’m no longer worried. I have no stress. Now my debt is gone,
and since I have not added any debt, my debt-to-income ratio is much better.”
Dawn
Arizona

This was a life changing experience. It was a simple and fast process. I
appreciate being able to stay in my home and tap into my equity. Highly
recommend.”
Carrie
Florida
I looked at just a couple of other companies online, and Unlock’s terms were the
best. Moreover, the people I talked to – all the way through the process – were
competent, and explained everything perfectly. I’ve paid off all my debts,
including every credit card and all medical expenses. I’ve rebuilt the nest egg
and invested some of the funds. My credit score is coming back up. Now I’m in
really good financial shape, and have much less stress.”
Drew
North Carolina
My financial stress burden has been lifted, and I now have ‘reserve funding’ to
use for debt reduction and unexpected business expenses. I can once again sleep
well at night!”
John
California
I talked to my banker and I looked at options like a reverse mortgage,
refinance, just some loans. I saw the option for an investment through Unlock
and accessing my equity with a HEA and it seemed to make more sense.”
Marcus
Washington
It was such a good experience that I’d work for Unlock!”
Davy
Nevada
It’s given me peace and serenity, and a home that we like and is comfortable to
live in. Unlock is a good, reputable company; just look at TrustPilot reviews
for evidence.”
Melissa
Tennessee
I was able to do the home renovations that I had been putting off for years,
which increased the value of my home. I feel like I have more options now. If
you’re looking to access your equity this is perfect.”
Maritza
Florida
We needed cash to make some improvements to our home before we could put it on
the market. My credit score was less than stellar due to medical problems we had
a few years ago. My wife was out of work for awhile and I had to take some time
off. As a result, getting a standard HELOC was out of the question. So the
Unlock alternative was a good one for us. The staff at Unlock made all the
difference. It was quick, simple and painless. There were no surprises.”
Shawn
New Jersey
Unlock’s process was very uncomplicated, and so much quicker and faster than
competitors. It was very smooth. Any questions were answered, and even when they
were redundant, the rep was very patient. She was helpful and transparent, never
pushy, and guided me through the process.”
Javany
California
I’m going to use the funds to fix up my own house to become an investment
property, and to help purchase other investment properties. In 10 years, the
amount that would go back to Unlock then will be about the same amount as I’d be
spending in doing a refinance. And I have no monthly payments!”
Khalia
Michigan
I was trying to renovate my home, and needed to pay bills I owed, including a
city tax bill and medical bills. I was having a hard time getting approved for a
HELOC because my credit was not good. Unlock gave me an opportunity. Everything
was very smooth. The process was very fast. I never dealt with a company that
worked that fast. Unlock helped me save my home; pay off the city tax bill and
my medical bills.”
Stephanie
North Carolina
I had slid further and further behind into debt. Working with a debt settlement
company to try and resolve it, but it was costing me $400 a month and that would
have gone on for several years. I had high interest loans and ended up $100k in
debt. That’s what made me say…I have to do something and Unlock was there for
me.”
Clayton
North Carolina
This was a life changing experience. It was a simple and fast process. I
appreciate being able to stay in my home and tap into my equity. Highly
recommend.”
Carrie
Florida
I looked at just a couple of other companies online, and Unlock’s terms were the
best. Moreover, the people I talked to – all the way through the process – were
competent, and explained everything perfectly. I’ve paid off all my debts,
including every credit card and all medical expenses. I’ve rebuilt the nest egg
and invested some of the funds. My credit score is coming back up. Now I’m in
really good financial shape, and have much less stress.”
Drew
North Carolina
My financial stress burden has been lifted, and I now have ‘reserve funding’ to
use for debt reduction and unexpected business expenses. I can once again sleep
well at night!”
John
California
I talked to my banker and I looked at options like a reverse mortgage,
refinance, just some loans. I saw the option for an investment through Unlock
and accessing my equity with a HEA and it seemed to make more sense.”
Marcus
Washington
It was such a good experience that I’d work for Unlock!”
Davy
Nevada
It’s given me peace and serenity, and a home that we like and is comfortable to
live in. Unlock is a good, reputable company; just look at TrustPilot reviews
for evidence.”
Melissa
Tennessee



READY TO UNLOCK?

See how much you prequalify for in less than a minute.
Get Started
Unlock helps everyday American homeowners that have been left behind by the
traditional home and finance system. While there are many ways to tap home
equity, a home equity agreement (HEA) from Unlock is unique because it was
designed to help families solve their financial challenges, and in doing so help
them live more successful financial lives.
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2024 © Unlock Technologies, Inc., All Rights Reserved.
About
 * How it Works
 * What it Costs
 * About Unlock

Resources
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 * Customer Stories
 * FAQ
 * Legal

Privacy Settings
Partners
 * Investor Relations
 * Affiliate Program

Contact
1-800-560-3450
hello@unlock.com

60 E. Rio Salado Pkwy Suite #900
Tempe, AZ 85281

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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 Agreement 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.
Other terms and restrictions apply.

____

 

 1.  Each home equity agreement (HEA) is subject to additional individual
     underwriting review.
 2.  All transactions are subject to verification of your credit (with a soft
     credit pull), identity, property value, home insurance, title, and
     outstanding property liens. Other verifications may be required.
 3.  Unlock may also require HEA proceeds to be used to clear any pre-existing
     liens as a condition to close.
 4.  The following limitations shall apply in all cases: 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.
 5.  In most cases, Unlock must be in no greater than 2nd lien position and the
     property must be clear of any liens deemed unacceptable by Unlock in its
     discretion.
 6.  A minimum HEA amount of $30,000 is required on all transactions.
 7.  Property condition rating, as described in the Uniform Appraisal Dataset
     (UAD), must be at least C4 or better and properties for which comparable
     valuations, in the discretion of Unlock, do not exist may be ineligible.
 8.  Not available in all states.
 9.  For consumers with credit scores below 550 you may be required to verify
     income. You may also be required to utilize HEA proceeds to pay off certain
     outstanding debts as a condition to close.
 10. Unlock charges up to a 4.9% origination fee and other third party paid
     closing costs such as appraisal, title, and government fees.
 11. The home equity agreement term is 10 years.
 12. The timeline to funding of approved HEAs may vary depending on when the
     homeowner submits a completed application and all supplemental documents
     are received and verified.
 13. Please contact us for more information at hello@unlock.com.
 14. For additional information please review the Unlock Product Guide.