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Unlock Review 2022

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Reviews 215

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Katy Ward
Katy Ward
Jun. 04, 20214 min read

Unlock summary

Unlock is a real estate investor that allows homeowners to access the equity in their property without taking out a loan. Instead, it makes cash payments to customers in exchange for a share of the proceeds resulting from the future sale of their home. Homeowners using Unlock can release up to $500,000 over a 10-year term.

Pros

  • No interest charges/monthly repayments
  • Independent appraisals
  • No minimum income requirement

Cons

  • Not available in all 50 states
  • 20% home equity requirement
  • No support telephone number on website

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Overview

Unlock pays customers a proportion of their home’s current value as a lump sum. In exchange, the homeowners agree to repay a proportion of the proceeds from the future sale of their property. In a typical transaction, Unlock will provide homeowners with 10% of their property’s current value in exchange for 16% of its future worth, although these figures may vary depending on the terms of your agreement.

Unlock’s investment is not a loan, which means homeowners won’t need to make monthly repayments and can use the funds for any purpose.

Suitable For?

As Unlock’s offers aren’t based on income requirements, its services could be particularly suitable for homeowners who aren't high earners. However, you’ll typically need at least 20% equity in your home to qualify, which means Unlock may not be the right choice for those who have recently purchased their property.

Types of Products

Unlock offers a single service: lump-sum payments in exchange for a stake in a property’s future value. The main service features and requirements include:

  • A minimum FICO credit score of 500
  • Cash payments of between $30,000 and $500,000
  • No monthly repayments
  • No interest charges
  • 20% equity requirement

The Application Process

In order to qualify for and receive payment from Unlock, customers will typically follow the stages below:

  1. Create an account and enter property details 
  2. Unlock reviews the application 
  3. Unlock issues preliminary terms of the deal and schedules a call to confirm details
  4. An independent valuation of the property takes place
  5. You receive a closing statement containing the final terms 

It takes around 60 seconds to create an account and approximately 30 days to complete the entire process, although the period will vary depending on the length of time it takes for your appraisal and inspection to be completed.

During the application process, you’ll normally need to provide:

  • Government-issued identification
  • Homeowners insurance declaration page(s)
  • Mortgage statement(s)/lease agreements
  • Trust documents

Be aware, Unlock currently only operates in the following states:

  • California
  • Colorado
  • Florida
  • Michigan
  • Nevada
  • New Jersey
  • North Carolina
  • Oregan 
  • Virginia
  • Washington State

Repayment Terms

Unlock typically stipulates a 10-year term. At the end of this period, you’ll need to settle up with Unlock either by selling your home or by buying out its share in the property. If you’d like to buy the company out earlier, you can do so by making partial payments.

Help & Support

You can contact Unlock via email, an online query form, or alternatively, you can schedule a phone consultation via a tool on its website. There is no customer support number listed on the Unlock website. 

The availability of phone consultations will depend on your location in the US. When we searched for appointments, we found the following slots in the following time zones, Monday to Friday:

  • Pacific Time: 9 am to 4.45 pm
  • Mountain Time: 10 am to 5.45 pm
  • Central Time: 11 am to 6.45 pm
  • Eastern Time: 12 pm to 7.45 pm 

E: hello@unlock.com

Summary

If you’re keen to access the equity in your home without the burden of making monthly repayments, taking out a lump-sum agreement with Unlock could prove an innovative solution. As long as you have a strategy for settling up at the end of your agreement term, the funds you receive—up to $500,000—could help you pay off existing debts or be put towards making a major purchase.

FAQs

What type of properties are eligible?

Unlock invests in the majority of residential properties, including single-family dwellings, condominiums, 2–4 unit properties, and townhouses. However, it won’t typically invest in tenancies-in-common, co-ops, raw land, or prefabricated homes.

Will Unlock run a credit check?

Unlock will run a soft credit check during the application process, but this will not affect your credit score.

Can I remortgage my home?

Yes, although Unlock will require you to maintain at least 20% of the equity in your property.

Will I still own my home?

Yes. Although Unlock will place a lien on your home, you’ll retain ownership.

Physical Address 

548 Market St, #31036, San Francisco, CA 94104

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Methodology

This review was compiled using information on the company’s website and by emailing its customer service team.


Katy Ward
Written byKaty Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.

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Trustpilot reviews

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ExcellentReviews 215
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Excellent
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Average
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Bad
6%
  • author
    Pepper
    19 hours ago
    Stellar All Around

    Oh I couldn’t be happier with the Unlock experience. Very tight communications, reasonable paperwork, great system for signing but most of all it was the caring from Allison B and Veronica E! They kept me informed and updated. Allison was my lead and she was beyond stellar. At the next step, came Veronica - another gem. I couldn’t be more grateful. Very rare in these days to find people who care in any given “system” but Unlock and their team are surely thinking and caring outside the norm. Thank you!

    ...

  • author
    THOMAS LAMPROS
    2 days ago
    Everything went smoothly.

    Everything went smoothly.

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  • author
    Don
    3 days ago
    Overall excellent experience

    Overall excellent experience. No complaints.

    ...

  • author
    Miller, James
    Jun 25, 2022
    You must know that the agreement is…

    You must know that the agreement is very, very thorough. There is no way to avoid paying your share. Unlock is a co-owner of your home for the next 10 years. If you don't maintain your home, they will step in and you will pay for the improvements that they require. It's very serious, so understand all of the documents. I felt the risk was worth it, in 10 years I will be older and ready to sell my house and purchase a condo for a less amount of work. I'm very pleased with this option, and the way the application progressed.

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  • author
    David Carter Sr
    Jun 25, 2022
    They were very througfh and…

    They were very througfh and professional during the whole process. Everyone kept me informed through the transaction and process. Great personnel.

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  • author
    Valerie
    Jun 25, 2022
    Great help .

    Very helpful. And patient

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  • author
    Middle TN Family
    Jun 24, 2022
    This was a great experience. Start to finish!!

    Michelle and Dee were phenomenal! Informative and extremely responsive! We are so pleased with our decision!!

    ...

  • author
    customer
    Jun 24, 2022
    Unlock was very fast

    Unlock was very fast. They got my approval, appraisal and closing finished within 1 month. I was able to pay my debts and have funding for improvements and other major expenses. Very professional and I highly recommend them.

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  • author
    Genevieve Obrien
    Jun 24, 2022
    Very smooth process

    Very smooth process, start to finish in about 30 days, helpful staff!

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  • author
    customer
    Jun 24, 2022
    The process was seamless and special…

    The process was seamless and special thanks to Kayla Gabriel and the team for expediting and completing all steps in a timely manner!!!

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  • author
    EDWARD LOUIS STOESSEL
    Jun 24, 2022
    I had a great experience working with…

    I had a great experience working with Unlock Technologies. Lexys and John were very helpful and made the process super easy. I would highly recommend Unlock for your equity loan.

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  • author
    Cindy
    Jun 24, 2022
    Excellent!

    Thank you Tyson! You are awesome!

    ...

  • author
    James Hankins
    Jun 24, 2022
    Lexus took my account over after i…

    Lexus took my account over after i called because my first account executive had failed to stay in contact with me and not returned any phone calls. I spoke with Lexus and explained that I had been trying to get serviced since April 4. (2 months) She took time to explain to me she was going to take over the account and she told me she would call me the next day with information, however, before our conversation ended, she had everything worked out, in a matter of two days, she had the account ready for signatures, I cannot express how impressed I am with her work ethic She is a definite asset to your company I was ready to just walk away from the account, and go to another vendor, but her openness and honesty as well as the compassion she displayed in trying to help me made me decide to stay with Unlock Please pass my praises along to her supervisor as well as to her because this lady really seemed Sincere Thank you James Hankins

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  • author
    EDWARD POTULIN Jr
    Jun 24, 2022
    Fast service

    Fast service with no problems

    ...

  • author
    Phillip
    Jun 23, 2022
    John Z the manager at Ulock is the best…

    John Z the manager at Ulock is the best if you want to be treated fairly I recommend him for you to consult with no matter what race or color you are I was upset and I made a review out of anger please 4give me Unlock.

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  • author
    T. Thompson
    Jun 22, 2022
    Waste of time!!!!!

    Started process beginning of May. Signed “offer” docs May 23. Had appraisal done May 29. It’s now June 22 and I can’t get a single person to respond to me. STAY AWAY FROM UNLOCK!!!!!

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  • author
    customer
    Jun 21, 2022
    The process was flawless and timely.

    I do not know where I would change any part of the process. The whole procedure took less than a month for completion and funding. I was satisfied with the appraisal that was presented and everything was explained very thoroughly by Jennifer along the way.

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  • author
    customer
    Jun 21, 2022
    Fast very professional and helpful

    Fast very professional and helpful

    ...

  • author
    customer
    Jun 19, 2022
    Very easy to do business with and…

    Very easy to do business with and everything went very smooth! Highly recommend and they have a great business model as well.

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  • author
    Frank Green
    Jun 18, 2022
    Thanks again for your help

    Thanks again for your help

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  • author
    William Buford
    Jun 17, 2022
    Was a very eye opening experience

    Was a very eye opening experience, Unlock was courteous and always in contact when requesting a HEL, there were no income restrictions, and their credit score ratings are the best in the business. I would advise anyone looking to obtain a loan based on the equity of their home value to contact Unlock as soon as possible.

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  • author
    GEORGIO
    Jun 17, 2022
    Fast and efficient plain and simple

    Fast and efficient plain and simple, if anyone is looking for a short term loan to start or grow your business I highly recommend UnLock. Borrowers need to understand that Unlock makes it easy for borrowers looking to obtain a loan that they need off their equity easy. But just like any loan one needs to understand that nothing is for free and the earlier you pay it off the better, so be smart when obtaining the loan from UnLock and use the funds to better your life or generate more capital for yourself and do not go on a spending spree.

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  • author
    Jael Evans
    Jun 16, 2022
    Kayla Gabriel was wonderful and she…

    Kayla Gabriel was wonderful and she made the process wonderful. Recommended to a friend and they are signing up now/ Jael

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  • author
    Laura Whatley
    Jun 15, 2022
    Quick response time

    I had some problems with getting a hold of them. Chris gave me a call and we discussed the problems with me not receiving emails. We discovered that their emails were going to my spam folder. By the time we hung up, he had documents he was looking for as well as making me feel secure that they weren't ignoring me.

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  • author
    customer
    Jun 15, 2022
    Very Disappointing Experience with Unlock

    I reached out to Unlock and the communication was lacking to say the least. Poor response time and limited information provided. The deal was declined due to property type, 3 family apartment building and single-family home on the same blk and lot. I feel like I wasted a lot of time and energy on this poor communication deal.

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  • author
    Corey Williams
    Jun 14, 2022
    The team that assisted my wife and I…

    The team that assisted my wife and I was professional and made the process super easy and efficient. I would highly recommend Unlock to anyone needing to access their homes value to pay down debt.

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  • author
    Ahs
    Jun 13, 2022
    Shaun was excellent

    Shaun was excellent. The closing process not so good. Asked for additional documents that should have been taken care of earlier. Communication process needs to improve.

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  • author
    customer
    Jun 12, 2022
    It’s was an excellent experience…

    It’s was an excellent experience working with the unlock team .

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  • author
    customer
    Jun 11, 2022
    Akyra was awesome

    Akyra was awesome! Answered all my questions in a timely manner was very professional! This process was incredible, so much easier than 2nd mtg. Very happy it's done and I can stay in my home another 10yrs!!

    ...

  • author
    customer
    Jun 11, 2022
    Great service and lauren was fantastic..

    Great service and lauren was fantastic..

    ...

  • author
    Lisa Powell
    Jun 11, 2022
    I appreciated all the assistance

    I appreciated all the assistance I received from Unlock. Lauren was awesome and let me know everything that was going on with my application from start to finish! I definitely recommend Unlock!

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  • author
    Louis
    May 31, 2022
    Thanks to Unlock

    I was worried about this new type of funding, but Lynice did a fantastic job explaining the process and being there at every step of the way. The entire process took me less than 30 days. Also thanks to Laura for her great work as the transaction specialist. Great people, Great company!

    ...

  • author
    christina fontenette
    May 31, 2022
    Allison and Veronica are the best to…

    Allison and Veronica are the best to work with! Always reachable and knowledgeable! I can honestly say this was a pain free process and Unlock is a great resource available to homeowners! Thanks

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  • author
    Kathy M
    May 26, 2022
    Half the time and 100% less frustration

    After wasting almost three (3) months with the competition (point.com) and having an extremely disappointing outcome due to an appraisal which should have been rejected, I found Unlock online and gave them a call. I first spoke with Allison, who expertly explained the process and emailed me a list of documents she needed to get started on my application. As an added bonus she told me it should take less than half the time of my previous experience. Allison also put me in touch with Jennifer who would also be working on my behalf to communicate with Underwriting (something I could not do previously) and answer any additional questions I may have. When I did reach out to Jennifer, she answered all my questions completely and explained to me in detail what to expect going forward. Both Allison and Jennifer were extremely knowledgeable and patient when explaining the details of this new type of funding. Emails and phone calls were responded to quickly and I was always informed on the status of my application. My appraisal was performed within a week and the appraised value was $70,000 more than the previous appraisal. (You can read more about that in my review on the aforementioned company’s website.) Documents were signed and funds were wired to my account – all within thirty (30) days. I could not have hoped for a better experience. Thank you, Jennifer and Allison. Keep up the great work!

    ...

  • author
    michael bridgers
    May 23, 2022
    This is by far one of the easiest ways…

    This is by far one of the easiest ways to tap into the equity in your home. The Team at unlock are amazing. They answered every question or concerns I had in detail and without hesitation. The process is simple and seamless. Thanks again Unlock.

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  • author
    Lauren
    May 21, 2022
    Such an easy process

    Such an easy process. Amazing company to work with

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  • author
    Farren St George
    May 14, 2022
    never trust this place there stuck in…

    never trust this place there stuck in the past if you had a late payment do not waste your time here

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  • author
    Robert P
    May 12, 2022
    Lexys at Unlock was a pleasure to work…

    Lexys at Unlock was a pleasure to work with. She was knowledgeable, professional, and very responsive. The whole process at Unlock was simple and quick. I would recommend to anyone who is looking for an equity sharing arrangement.

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  • author
    Rachel Lynne Hunt
    May 03, 2022
    Allison and Unlock are AMAZING!!!

    Allison went over and above and worked with me so that the program would work with my situation. Everything went so smoothly. Communication was quick. Paperwork was streamlined. Everything from start to finish was excellent!

    ...

  • author
    Melissa
    May 02, 2022
    LIFESAVER LOAN

    Annie Leiter from UNLOCK explained the entire process from the beginning. I wasn't sure if i would have a 500 credit score but applied anyway. Luckily I met that requirement. I am in a 100% commission paid job and had not earned any income for the past few months. I was coming off of a forbearance program with my mortgage company. I had paid the 3 payments as part of the Trial Payment Plan. I had signed a Loan Modification which lowered my interest rate and monthly payment which was great. I was behind on everything except CenturyLink which I needed of course to stay connected. I closed on Saturday. My Unlock funds will be in my account on Thursday. I will be able to make my May 1st and 2nd mortgage payments, catch up with Xcel Energy, car insurance, catch up with what I owe my chiropractor, dentist, hair dresser, dog groomer and the rest of those who have been patient with waiting to be paid. The appraisal did take longer than I expected. Annie escalated everything that she could throughout the process. Annie is very persistent and professional. The Unlock loan is taking a HUGE relief off my shoulders. I feel like I can breathe again. Thanks Annie for caring!!

    ...

  • author
    S. Jones
    Apr 30, 2022
    Unlock Declined Me & Devastated Me

    I am very upset with Unlock. After I spent an hour on the phone with the Investment Officer with whom I was very transparent, I left nothing out as to my situation and low credit score. I told them about the bankruptcy that I was forced to file in order to save the equity in my home. I filed in September and it was discharged in November the same year. I have over 200k in equity in my home and I wasn't going to loose that and the mortgage company would not extend the sale of my home. That was all explained in great detail and at the end of the conversation I specifically asked if there was a chance that I would not be approved and I was told " I don't see a problem". I needed the money so that I could pay my first mortgage in advance for a year, pay my insurance and any other bills I had either in advance or current so that I could concentrate on my business so I could earn an income. I made decisions based on what I was told, that she didn't see a problem. Then much to my horror I received an email that said I was declined and to try back in 3- 6 months. Nothing else just that, no explanation. It took me over a week to get an answer as to why I was declined. I provided proof of income and everything else they required. I finaly heard from someone at Unlock who informed me that because my credit score was 515 and because of the bankruptcy I had been declines. No where on their website does it say anything about these requirements, I was counseled on the phone either. When I asked if there was a chance I would be declined I should have been told " yes, there is always that chance, or I don't know so don't make any financial decisions based on an approval that you don't have yet, anything but " I don't see a problem" Because of that I am now in a worse financial situation than I was and my credit score has dropped rather than increased. This situation has now made my life a financial disaster and that is exactly what I was trying to avoid, exactly what I didn't want to happen. Unlock's entire website and all their advertisements basically say that as long as you own a home you can be approved for a shared equity agreement. No where are any guidelines mentioned except that they even can help people with a credit score of 500 ! All I needed was someone to give me a chance, a fresh start and now I am in even deeper than before I put in my application and I don't know what I am going to do. Unlock was supposed to be the answer to all my problems and they would have been but now I am so much worse off than before. I took out a title loan to pay my bills that were immediately due thinking that it would be paid off in 30 days but instead now I have an additional payment of $816 dollars for the next 6 months or I will loose my car. I gave the dates of the bankruptcy and everything to the Investment Officer, I was totally transparent in my disclosure of my situation. I should have been told then that a bankruptcy under 3 years was an automatic decline with no exceptions. Had I known that I would have made other decisions regarding the little money I had. Now my life has turned into a nightmare. I was elated when she told me she didn't see a problem, my mood was elevated and I could feel the stress leaving my neck, shoulders and back, I could already see light at the end of the tunnel, I didn't know the light was an on coming train with an impact that was going to send my world up side down. My suggestion to Unlock would be that your Investment Officers be more careful in what they tell the potential candidate and that your website and advertisement aren't so misleading because they really are. Even in the FAQ section there conveniently are no questions regarding any underwriting guidelines, no questions about bankruptcy or their stipulations. Please don't let happen to someone else what happened to me, it is so discouraging and cruel to let someone believe that in 30 days they could be debt free and able to work with a positive attitude and start realizing the income that I have the potential to make. This situation has devastated me on so many levels. Thank you for your time .

    ...

  • author
    S S
    Apr 28, 2022
    I had an excellent experience from…

    I had an excellent experience from start to finish. Annie, my rep, was knowledgeable and helpful throughout the entire process. I spent over 30 yrs working in the mortgage industry and know how traditional lenders can be tuff on anyone with alternate income sources. Luckily my property and their guidelines were a fit and I was able work with them. It was stress free and easy! I would highly recommend using unlock!

    ...

  • author
    XAVER WALKER
    Apr 19, 2022
    Great for self employed

    I feel like they cheated me with the low ball appraisal. Otherwise it was a somewhat quick and painless process.

    ...

  • author
    Kimberly Elrod
    Apr 17, 2022
    Kristi was amazing

    Kristi was amazing. She really went above and beyond to help me. I felt like she was in my corner. Communication was key. It was always timely. Every step of the way I received answers to any questions I had, Never made to feel like a nuisance. Thank you Unlock, and thank you Kristi

    ...

  • author
    Unlock Customer
    Apr 12, 2022
    Unlock Review

    The process was efficient, our Unlock representative keep us well informed and each step they provided good information in a timely manner. Make sure you understand how the financing will work, how it changes each year, and remember it's only for 10 years.

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  • author
    customer Jack Price
    Apr 11, 2022
    It was easy n Drew helped me throw out…

    It was easy n Drew helped me throw out the process .

    ...

  • author
    Steve
    Apr 07, 2022
    During the pandemic my Business slowed…

    During the pandemic my Business slowed and I was forced to use my personal credit cards and savings in order to get by. I tried getting a equity line of credit but was not able to meet the banks criteria. One day I saw the Unlock advertisement in my news feed and thought I would check it out and gave them a call. I spoke with Austin and he explained the entire process. My first thought was “What’s the catch”. It sounded to good to be true. But Austin explained everything to me and answered any questions I had. Once we started the process it took less than 30 days to get a check deposited into my account. The process was smooth and they took care of everything. Now that I have the bills under control again I can refocus my efforts on my business as we begin to pull out of the pandemic. Thanks to all of you at Unlock.

    ...

  • author
    Harold Campbell
    Apr 07, 2022
    This was a very good experience

    This was a very good experience. We needed to gain access to equity and did not want to borrow money. The people that we worked with were very competent and professional as well as friendly and ready to answer questions. The only issue we had was that it took a long time to get our appraisal done. This was due to a backlog of demand for appraisals and not Unlocks fault.

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  • author
    customer
    Apr 07, 2022
    Very fast

    Very fast, friendly and easy process

    ...

  • author
    customer
    Apr 07, 2022
    My representative was very kind and…

    My representative was very kind and knowledgeable, but I felt the process was too long. I was told in the begining the process would take 30 days and it took almost 3 months to get to closing. Multiple times I called and left messages, and sent emails with required documents that took a few days if not a week to get back to me about them.

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  • author
    customer
    Apr 07, 2022
    More communication

    More communication is needed on the process and timeline, next steps should be explained in detail. how the process goes with closing should also be explained in more detail. Customers should be able to get the answers they need from contact person, they are not informed of where the process is at.

    ...

  • author
    christopher oliver
    Apr 06, 2022
    It was a pleasure to work with unlock

    It was a pleasure to work with unlock. From start to finish it was not complicated the application was good and the representative who took my application gave me updated info while the application was in process

    ...

  • author
    customer
    Apr 06, 2022
    Smooth process

    Smooth process. Francisco answered all of our questions and was extremely professional. Close in the comfort of your home. I researched most of the HEI companies and Unlock had the most attractive numbers for us. Awesome product to access your equity with no payment.

    ...

  • author
    John Foltz
    Apr 05, 2022
    Lynice was phenomenal and Unlock was great

    Lynice was phenomenal and was always quick to call me back. The process was also very good and quick to tap some of the equity in my house. I would definitely recommend Unlock and Lynice!

    ...

  • author
    Andrea Ulrich
    Apr 05, 2022
    Not even worth 1 star!

    First, of all you never asked if the address I lived at was mine as if the 'home owner'. Second, you go and run on the equitty in the home that is not mine! Third, it was never mentioned on how you'd offer help for those who have no home! Forth, This was rather invasive!

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  • author
    customer
    Apr 05, 2022
    Easy to work with but they tend toward…

    Easy to work with but they tend toward the lower end of appraisal value. Overall, a good experience, and I would work with them again.

    ...

  • author
    Justin K
    Apr 05, 2022
    I had a fantastic experience using…

    I had a fantastic experience using Unlock. I received the cash value out of my home within 30 days of beginning the process. Kristi Barton responded to all my emails and questions in a very timely fashion and the entire process was seamless. I would highly recommend this service to anyone who could use the additional value in their home to take care of projects or other debts.

    ...

  • author
    Bobby Tyson
    Apr 05, 2022
    Unlock came thru with flying colors

    Unlock came thru with flying colors. No heavy paperwork all i did was call and for the most part they took care of everything else i highly recommend especially if your credit is not up to par thank you unlock

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  • author
    Lu Hick
    Apr 04, 2022
    Our experience with Unlock was an amazing one

    Our experience with Unlock was exceptional! The consultant was compassionate, concerned, and extremely professional. She was very accessible and informative. She did not make any promises but she let the process work for us! I would HIGHLY recommend Unlock to others best it is the best way to get cash out of your home. Unlock served us well and we are grateful for their service.

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  • author
    customer
    Apr 04, 2022
    Unlock was such an easy process

    Unlock was such an easy process. The customer service was outstanding and everything was exactly as they advertised. Using Unlock gave us tbe flexibility to use our equity to help us achieve our financial goals for the future.

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  • author
    KIM
    Apr 01, 2022
    Although the process took more than 30…

    Although the process took more than 30 days the team was excellent. They answered every question and kept us in the loop through every step. Alauna was great. The process is simple and really helped us get back on our feet. I would highly recommend Alauna and any member of the team. Thank You Unlock

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  • author
    Customers Patrick and Suzanne
    Apr 01, 2022
    Is your credit sub 620 or student…

    Is your credit sub 620 or student parent loans . Mine is but we had lots of equity and at 70 this is the only way to enjoy our hard earned mortgage payments. Might mean kids get alittle less we get to enjoy new teeth and maybe a anniversary cruise. Do yourself a favor. Expensive but we’re worth it.

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  • author
    Anthia Z.
    Mar 31, 2022
    Jen was amazing

    Jen was amazing. She walked me through the whole process and from beginning to end it went smoothly. I wish I would have found them sooner.

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  • author
    customer
    Mar 31, 2022
    I was skeptical that it would be as…

    I was skeptical that it would be as easy as it’s made out to be in their literature - but after only 2.5 weeks I secured a shared equity agreement with unlock and had funds wired to my account. Super easy process - and reasonable investment terms. Appraisal was also fair and reflected market.

    ...

  • author
    AL
    Mar 31, 2022
    The whole process took approximately…

    The whole process took approximately one month. The funds were wired to me within one day of signing. Ideally, you should avoid being in a situation where you require the service of a home equity sharing agreement (it ain't cheap) but if you have to, I would recommend Unlock. Though some reviewers have posted that their appraisals came in low, in my case that wasn't the case. The appraisal came in just about right.

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  • author
    Sheila Dickinson
    Mar 31, 2022
    Unlock agreement # 513-543-014

    Unlock agreement # 513-543-014 Having recently completed an agreement with one Kayla Gabriel I have only the highest regard for her attention to detail and professional contribution to the contract process. Thank You for the considerate work applied to this matter. Sheila Dickinson

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  • author
    April C
    Mar 29, 2022
    Satisfied with Unlock

    The process took a little over a month to complete but my money was deposited quickly once the final papers were signed

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  • author
    Werner Wurth
    Mar 26, 2022
    Very professional and efficient

    Very professional and efficient, nice customer service, thank you

    ...

  • author
    customer
    Mar 25, 2022
    Great Experience

    My experience with Unlock was great! Everything went smoothly and they were very helpful during the entire process.

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  • author
    Luis
    Mar 25, 2022
    Good service for someone in need to…

    Good service for someone in need to access equity of their property with bad credit but they don't keep you very much informed of how the process is going

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  • author
    MICHAEL FLITTERMAN
    Mar 24, 2022
    Excellent experience all the way…

    Excellent experience all the way through. Professional, courteous staff and a superb way to access money from an appreciated asset.

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  • author
    The Warrens
    Mar 24, 2022
    Unlock made the process easy & was able…terrific experience

    Unlock made the process easy & was able to answer all our questions

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  • author
    Walt Pasternak
    Mar 24, 2022
    Process took approximately 30 days and…

    Process took approximately 30 days and went smoothly with competent staff and personnel.

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  • author
    customer
    Mar 20, 2022
    Legit

    Legit. Very prompt, attentive and professional.

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  • author
    WFD
    Mar 19, 2022
    Enalbling Possibilities

    I always knew there must be a way to access the Twenty years of equity I had built in my largest asset- my residence. I did not know how to do that until I received Unlocks unsolicited mailer introducing me to the Unlock Investment solution to accessing that equity. Being on a fixed income, the Unlock program enabled my wife and I to improve our residential asset with bigger ticket items that would have otherwise been outside of our reach- but would immeasurably improve our quality of life- e.g. a walk-in tub/shower, repaving our driveway, and enabling my wife to have teeth implants. The process was simple, we had the benefit of working with a dedicated advisor, Jennifer Sorebay who walked us through the Unlock process. Independent contractors provided property evaluations- all were professional, respectful and efficient. Underwriter review was quick and funds wired to our bank All in all we found the program the answer to enabling our dreams. Thank you Unlock

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  • author
    Sabrina Devero
    Mar 19, 2022
    Excellent Service

    I had the most amazing service this company helped me when I needed it most very upfront and honest about everything I needed to know. I would recommend them so happy I went with unlock and was able to access some of my home equity without monthly payments.THANK YOU UNLOCK.

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  • author
    Barry
    Mar 19, 2022
    Very smooth process.

    Very smooth process.

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  • author
    Bobv
    Mar 19, 2022
    Easy transparent and simple

    Easy transparent and simple

    ...

  • author
    customer
    Mar 18, 2022
    Improvement Feedback

    Hi, OK we got the job done so thank Annie again. Here is how you can improve a. address and HOA contract questions at the very start of the process, so as not to delay with a tardy start. b. hire an honest home appraisal not a dishonest one! c. mail check if necessary directly to third parties. And if you want to help protect your families, employees by endorsing safe driving make a tax deductible donation to ASF, carsafe.org. Thanks!

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  • author
    Sam D
    Mar 15, 2022
    I own a home with a significant amount…

    I own a home with a significant amount of equity. I didn't want to sell the home, but I wanted to cash out on some of the equity for home updates, pay off some debts, and have cash cushion in the savings account. I also was hesitant to take on a 2nd mortgage and an additional monthly payment. My credit score is fair to good but rebuilding after a lengthy illness and prohibited a traditional cash out re-finance at an acceptable % rate. Unlock made it very easy for me to turn some equity into cash that covered all my goals. We had the house appraised, determined the amount of cash I could receive and wanted, and within 3 days we closed the deal. Unlock wired me the cash into my bank account. I still own my home with zero additional debt or additional monthly payments. I have 10 years to sell my home and settle the equity partnership I have with Unlock. Meanwhile, my house is appreciating through my normal monthly payments and natural market forces. I am incredibly pleased with my Unlock equity partnership. We both won in this deal.

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  • author
    Kay Mckee
    Mar 14, 2022
    Unlock was a pleasant surprise in my…

    Unlock was a pleasant surprise in my search for a cash-out refinance. I worked with Lauren Leone who was very friendly, professional & helpful throughout. The process was smooth and quick...exactly what I needed.

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  • author
    Alice Davidson
    Mar 11, 2022
    Awesome Experience with Unlock

    Unlock has come up with an awesome program that uses the equity in your home to allow you to obtain funding for this equity without a loan or having to make monthly payments. The process, from start to finish, was very professionally handled by agent Kayla Gabriel. Her communications were easy to understand, very thorough, and she kept everything moving along as quickly as possible. It was truly a joy to work with her. I can't recommend Unlock highly enough. Outstanding experience!

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  • author
    Roxanne
    Mar 11, 2022
    The process was clearly stated My…

    The process was clearly stated My contact was always professional and responded within hours to any requests or actions. We completed ahead of typical timing. Notarized on a Sunday and funding was wired and in my account on Monday. My only complaint was a low appraisal but that’s on the appraiser. It does serve to make more money for Unlock so I hope to payback sooner and get same appraiser.

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  • author
    Takeo Gonda
    Mar 10, 2022
    A kind and patient assistance

    Our Customer Service Hozefa Taquee has been professional and really patient with me taking time to explain how this works, especially that English isn't my first language. I appreciated his kind approach and assistance through the whole process.

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  • author
    customer
    Mar 08, 2022
    This was a great experience

    This was a great experience. My advisor was a great person to deal with.

    ...

  • author
    Usman Ali
    Mar 08, 2022
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    My online PARFHESNAL ads buznas

    ...

  • author
    Holly C.
    Mar 07, 2022
    I am very pleased with Unlock

    I am very pleased with Unlock. The process was very smooth. I read a review saying their appraisal was manipulated for unlocks benefit and I was nervous . However, It was a very honest appraisal, and completely separate from Unlock’s company. Kristi Barton was our investment specialist, and was amazing!! She was very help, and happily took my several phone calls to answer my many questions. I would highly recommend her!

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  • author
    Stewart Presser
    Mar 07, 2022
    Very satisfied

    Very satisfied

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  • author
    Andy F
    Mar 06, 2022
    Overall great experience

    Overall great experience. Nathan was a great help at understanding the product and helping us thru the process. Thanks Andy F.

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  • author
    Ted G.
    Mar 06, 2022
    Unlock is awesome and super easy.

    Over all great experience working with Unlock. Kristi, the person I worked with was always there to answer any questions, and kept me in the loop through every step of the process. Highly recommended! The process is pain free, easy and fast. Even signing the documents to close only took about 5 minutes. Thanks guys, now I can get my bathroom remodeled!

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  • author
    Kenneth L Peoples
    Mar 05, 2022
    I give Unlock 5 stars

    I give Unlock 5 stars , They have a very good staff , Doreen in particular, she made me feel like I knew her for a long time as we went through the process. I would recommend UNLOCK to anyone that is trying to pull EQUITY out of there home , very easy process …Thank You Unlock

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  • author
    customer
    Mar 05, 2022
    Very helpful

    It was helpful to have financial help even when my credit score was around 500.

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  • author
    giovanni
    Mar 04, 2022
    Great opportunities provided through…

    Great opportunities provided through this company. I am very appreciative of their hard work and support!

    ...

  • author
    customer
    Mar 03, 2022
    Quick and courteous service

    Quick and courteous service! Allison Bass was helpful the whole way!

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  • author
    customer
    Mar 03, 2022
    Very easy and helpful

    Very easy and helpful

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  • author
    John
    Mar 02, 2022
    Prompt and professional

    From the initial consultation to the signing of final documents, Jamieson was always available when I had questions. He was very responsive and knowledgable. We were able to get funded in a very short period of time. I'd have no problem recommending them or their service.

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  • author
    customer
    Mar 01, 2022
    Exactly what we needed

    Great! So glad we found this company

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  • author
    John Gramlich
    Feb 28, 2022
    Lynice Jackson was excellent and made…

    Lynice Jackson was excellent and made this process very clear and kept me comfortable even when going through the underwriting process. I had a deadline and was concerned, however she assured me we would be okay for timing and indeed we were!

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  • author
    Aimee K.
    Mar 14, 2022
    Lifesaver!

    Thanks guys. I qualified to be able to draw money from an account and I kept you guys in my phone just in case I had an emergency that I couldn't see my way out of. And I did have just such an emergency when I lost my job which was unexpected. I was deeply in debt and had to take a loan on my home. But in the meantime I had to wait for that to go through and you guys were there with the cash within 2 days. Thank you so much you helped me through a really difficult time and Im most grateful. I would highly recommend you to anyone. Well that was for a different company actually... LoL But still applies Unlock is awesome, the loan went through FAST! I was so pleased, and so glad a program like this exists!

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  • author
    Erika Saltzman
    Feb 25, 2022
    Jennifer S and her team are amazing

    Jennifer S and her team are amazing. They answered all questions and got back to me super quick.

    ...

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