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Unison HomeBuyer

Double your down payment!

Get into the home you really want, with Unison HomeBuyer. For homebuyers in California, Arizona, Oregon or Washington state, this innovative equity sharing program can double your down payment – regardless of income.

Unison HomeBuyer is not a grant or a loan. There’s no interest or monthly payments. And unlike traditional down payment assistance programs, there are no income limits.

Unison HomeBuyer is ideally suited for …

  • Buyers in high-dollar markets with good income and credit.
  • Savvy buyers who wish to avoid liquidating assets and paying capital gains.
  • Buyers who want a hedge on their real estate investment.

Unison HomeBuyer helps you …

  • Reduce your loan amount
  • Avoid PMI
  • Lower your monthly payments by 15-20% or more
  • Keep more of your cash
  • Purchase a multi-unit property (up to 4 units)

How Unison HomeBuyer works

As an equity partner in your California, Arizona, Oregon or Washington state property, Unison HomeBuyer participates in the increase — or decrease — of that property. Because of that, only certain properties are eligible. Your Guild loan officer can prequalify you and help you find an eligible property.

When you sell your home in the future, if you have not paid back Unison’s share, Unison will keep 35 percent of the home price appreciation, and you’ll keep the remaining 65 percent.

Planning on making some upgrades once you move in? They’re excluded from the home appreciation price, so you benefit fully from any work you put into your home.

The home you want is within reach

Contact a Guild loan officer today for more information about Unison HomeBuyer, the innovative program that doubles your down payment — with no income requirements.

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All loans are subject to underwriter final approval, terms and conditions may apply. Subject to change without notice. Always consult an Accountant or Tax Advisor for full eligibility requirements on tax deductions. Product available ONLY in Oregon, Washington, California and Arizona. Unison HomeBuyer Agreements are provided exclusively by Unison Agreement Corp. Certain restrictions apply. “Unison” is a trademark of Unison Agreement Corp., a wholly-owned subsidiary of Real Estate Equity Exchange, Inc., CalBRE License #01524819, Washington UBI #19288, Oregon Registry #945688-97, MD #6067, VA DPOR #0226-025731, DC REC #C098374562, NJ Cert. of Authority #0400758488, MC License #422177. Unison is an
independent investor and is not affiliated with any bank, lender, or real estate brokerage arm.

Home Loan Guide

Questions about the home buying process? Our Home Loan Guide has the answers you need to make smart decisions. Learn More

We stand behind our loans

"We can help you find solutions, with a personal touch.” - CEO, Mary Ann McGarry
  • Real people at your side to make the complex loan process simple
  • Hundreds of products and programs, especially for first-time homebuyers
  • Fast, responsive, in-house loan operations to get you funded on time