Unison California St, San Francisco

I am a 100% disabled veteran , unison is not cooperating with closing out my contract . We had 3 appraisals ( one by them) All appraisals are consistent in value yet they refuse to give a payoff demand to my title company. Their delay is costing me in a rate increase and daily payments They chose the 2 initial appraisals 3 years ago and chose one to close out the legal contract . They are not cooperating because their profit is lower than they want

TERRIBLE EXPERIENCE!! I worked with this firm for FOUR MONTHS on the promise from Julie Ha that all was good. Woman ghosted me until I received a letter from Eileen Dichoso that my application had expired and the program they offered was discontinued. UNISON IS NOTHING BUT A BUNCH OF LIARS!! STAY AWAY!!

This company is predatory. Sara Crooks is complicit in this predatory strategy. Read the fine print. Nothing in life is free, this is just a new variation of predatory lending practices. Do not give up your home equity to these people. Fine print essentially states they will always come out on top no matter what. You subsidize the downward risk, not Unison. I really do home this place and other similar predatory businesses cease to exist. Sara Crooks advocates for this stuff. My hope is she comes to her senses and learns some ethics. This may be legal right now, but i view it as extremely unethical.

Shady advertising. Received a letter stating that my property assessment was enclosed, but opened it up to find it's just refinancing spam. I would never do business that uses deceptive advertising like this.

Through a bulk mail offer, this company gave a 92 year old women in early stage dementia a loan of $48750 against 60% profit of her home. Surprise, she passed away 2 years later and her family had to pay them $123750. She was told the initial payment of $48750 bought the 60% and she would never have to pay it back. Who ever heard of having buying something but having to pay the purchase price back. An attorney advised that there was no way the contract was legal and the money didn't have to be paid back but wanted at least $50,000 to fight it. Attempts to discuss with company was meant with rude strong arm statement such as "your house belongs to us, tough". This 92 year old dementia victim had a 820 credit score and could have walked in to a bank and received a home equity loan for single digit interest rate. Shame on them. I can back up this review with written facts.

If you are considering using Unison to get money from you home, you need to read this. I used to sell their product for them, so I am very knowledgeable about them. I also took money out of my home 3 years ago using the Unison HomeOwner Agreement, because I believed in the product. However, I just sold that home, and my situation has been a nightmare. I can comment about 2 things, and both are very big. First off, if you plan on getting a fair Remodeling Adjustment for work you do on your home after you enter an agreement with them, think again. At the beginning of the agreement, Unison and I valued my house right after I had it built new with no landscaping and no finished basement. I then spent $125,000 on those 2 things, and Unison only gave me a remodeling adjustment (after just 3 years of those things being completed) of $20,000. From my conversations with Unison and the appraiser, I can gather that Unison doesn't communicate to the appraiser properly. My appraiser didn't even know he was being asked to evaluate my property if these items had not been finished by me. He thought he was performing a normal appraisal. The appraiser gave me no value for all of the landscape and hardscape I put in ($60,000 worth). So after pleading with Unison to give me some credit for this work, as common sense says my home is worth more with landscaping than with none, they simply said "we don't do gentlemen agreements...value can only be based on what the appraiser says." My house is the same size as 2 others in my neighborhood that sold recently. My outside work blows theirs away and they had no finished basement. Because of this, my home sold for $55,000 higher than theirs. How can this higher sale price not be because of the landscaping and basement? My home would've sold for less than those 2 homes if my landscape and basement were not done. A remodeling agreement is supposed to let you keep the value you put into your home after the agreement, but this is not the case here. I get a $20,000 credit when I should get more than $55,000. Unison gets 70% of this $55,000, meaning at least $38,500 that was supposed to be mine is now theirs. Secondly, their customer service is terrible. I knew this when I worked for them. They were terrible to their sales people, slow to respond, and aggravating customers because we sales people could not communicate in a timely manner on questions customers had that we needed answers from Unison's back office. Unison also kept changing their sales people's incentive pay to keep it lower than promised, screwing us over again and again. That was why I quit. So, it was frustrating working there to say the least. So back to my HomeOwner Agreement issues...Unison responded pretty quickly to my email letting them know that I was selling my home. However after that, they then went silent for more than a week while I tried texting and calling. I only got results when I reached out to someone I knew from my time working there and ultimately got a message to the boss about what was happening. At that point, they started springing into action. Another customer service problem...1.5 years ago I sent them all the information on my property updates (basement and landscape): invoices and pictures of both jobs being done. They acted like they never got it from me and wanted me to refill the paperwork out and resend the pics. It was only after I had reached their boss that they suddenly found everything and I wouldn't have to resubmit it. So good luck to you if you get into an agreement with them, especially one where you are expecting them to be fair to you in regards with a remodeling adjustment.

My revised review after 3 years... Not the same service when it comes time to sell the house or buy them out. They gave us a very hard time regarding the remodeling credits by asking for items that were not disclosed earlier (an attempt to deny the credits which failed), delayed appraisals and caused us to miss our closing date due to their incompetence of sending closing documents and releases that were NOT SIGNED. Customer service is not what it was 3 years ago and it's really sad. *** My original review ***** Gave them 5 stars! We reached out to Mr. Magid Emrani of RPM mortgage in Alamo, CA and after multiple suggestions and various means of refinancing our home, he made a suggestion to try Unison. We were referred to Unison by Mr. Emrani and they turned out to be simply excellent. We were helped by Ms. Mia Hawkins of Unison who was simply a delight to work with. She answered each and every question we had and explained the program fully and processed our application and paperwork in the most professional manner. There was never any delay, games or the typical running around that one gets in shopping around for loans or refinancing. Given the financial benefits of this program, we ended up saving THOUSANDS in fees and if one is in a position of equity with their current mortgage, I would highly recommend this program. It is absolutely the best way to access the cash in your property without the burden of second loan or monthly payments. Plus, we found out that there are tax benefits (at least in our case) that would have otherwise been null with simple refinancing. A shout out to Mr. Emrani at RPM mortgage and Ms. Hawkins at Unison for making this the easiest transaction possible... thank you both.

Undervalued my house by 20%. Very shady advertising and Company. I do not trust them at all.

Unison is a unique and very different way to tap into the equity in your home without adding any extra monthly payments. They share in the increased value of your home (or even in a loss of value!) in exchange for loaning you money that you do not need to make any payments on or any accrued interest either. You only owe them when you sell your home and you can take up to 30 years to pay them back. I was in a situation where I needed money from my equity but was not in a position to refinance nor make extra monthly payments. Unison was a life saver for me. I calculated out doing a cash-out refinance and the extra payments and interest I would pay as opposed to a Unison loan and I was still better off financially with this loan with the added benefit of no extra monthly payments. They were very friendly to deal with. I had an answer quickly and everything was taken care of online, with a couple phone calls and a home inspection and appraisal. Everything from start to finish (funding) was only about 3 weeks. I highly recommend this as an alternative to a home equity loan. Do the math and decide for yourself.

Does not honor OptOutPrescreen.com or DMAChoice.org preferences. If they can’t follow industry standards for something as basic as marketing, you shouldn’t trust them with your mortgage.