Unlock your home equity without refinancing or making monthly payments. What’s your home address? Build from what’s already yours. Join the thousands of homeowners who’ve …

Nov 20, 2025 · With Unlock, each homeowner has a different set of terms based on their creditworthiness and home value. Unlike purchasing a new home or refinancing, you won't …

New York-based Unlock Technologies offers home equity loan agreements, which give homeowners a way to trade a portion of future home equity for cash today.

Our flagship product is our home equity agreement (HEA), a clear, flexible financing solution for homeowners who want to access their home equity without taking on a monthly debt payment. …

To secure the performance of your obligations under HEA, Unlock will place a lien on your property in the form of either a “performance deed of trust” or a “performance mortgage” …

We unlock the power of home equity to enrich homeowners’ lives. We do that by helping homeowners turn equity into opportunity with clear, flexible financial options – so they can plan …

Explore answers to top questions about Unlock’s home equity agreements. Learn how they work, who qualifies, and what to expect with fees and settlement.

Unlock’s financial experts share insights on how homeowners can use equity strategically for flexibility, growth, and confidently plan what’s next.

Through our HEA, Unlock provides a lump sum of cash (up to $500,000) in exchange for a portion of your home’s future value. There are no monthly payments and no interest charges.