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Unlock Review 2022

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Reviews 84

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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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  • author
    Alex
    2 hours ago
    Allison Bass is absolutely amazing!!

    Allison Bass is absolutely amazing!!! I started this process back in October with another company(Point). With them I was strung along strung along strung along until they told me that they could not help me. I got a hold of Allison and it has been a smooth process ever since. I would highly recommend this to other people

    ...

  • author
    Mary T.
    10 hours ago
    Exceptional service!*****

    During a worldwide pandemic trying to cash out equity funds for someone who is self employed isn’t an easy task using traditional resources. With Unlock there are no hoops to jump through and you simply get to unlock the equity in your home to use. I’m so thankful for this program. They were fast, and got the job done. I spent more time getting the runaround with other banks than the time it took Unlock to get the job done. The staff at Unlock are experts in their field. Ms. Doreen Covington is exceptional with keeping things moving and making sure nothing is left undone. She cares deeply about her clients and getting them what they need. Thank you!!

    ...

  • author
    Keith
    2 days ago
    My experience with Unlock was great

    My experience with Unlock was great, everything worked as planned. The only drawback was when the funds were wired to me a separate check was mailed to me for my mortgage company. Had those funds been wired to me or the mortgage company it would have paid them quicker. As it was I received the check and in turn had to mail it to the mortgage company which even sending priority mail has now taken a full week to get from Flint to Detroit. If it had been wired to myself or the mortgage company they would have had it a week ago. One other concern was the third party appraisal seemed a bit low considering they compared my 2 story house on 2 acres with a much smaller one story ranch on 1/2 acre down the street, I feel it lowered my value by at least $20,000 which skewed the percentages in unlocks favor, but I expected that to happen to some extent.

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  • author
    customer
    3 days ago
    Unlock Experience

    The experience was quick, Kristi was insightful and explained every step of the Unlock process. I appreciate Unlock being there to help me get closer to complete my projects. Thank You

    ...

  • author
    Roxanne Tasker
    3 days ago
    Closing was a joke with the notary

    Closing was a joke with the notary. Name not correct on paperwork and no one seems to care. I do not have a middle name, but they did the paperwork with my mother's middle name so all of it needs redone. I have informed them of this but no one cares.

    ...

  • author
    customer
    Jan 15, 2022
    They understood my situation

    They understood my situation, helped me resolve and get ahead of it, so the stress was elevated, so I could make sound decisions, not leaping. Kindest Regards, Marie Maass

    ...

  • author
    The Bergs
    Jan 14, 2022
    Easy process

    We got the job done, with very little paperwork required. This was the best, and only real option we had. Process was easy and not stressful.

    ...

  • author
    customer
    Jan 14, 2022
    Wonderful Experience

    My Investment Officer Kristi was a phenomenal help in understanding, processing, and completing my real estate investment. Her knowledge base, exceptional customer service, and diligence made the entire transaction smooth and absolutely painless. Kudos to you and the Unlock team for putting so much effort into your work.

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  • author
    louis mondschein
    Jan 14, 2022
    It took longer than expected

    It took longer than expected, but overall it all worked out fine.

    ...

  • author
    Happy customer AZ
    Jan 14, 2022
    Great experience with unlock

    Great experience with unlock. Answered all my questions, very fast and easy process.

    ...

  • author
    customer
    Jan 12, 2022
    We had an exceptional experience with…

    We had an exceptional experience with unlock throughout the process. We recommend other who are looking at options for refinancing their property to consider Unlock first.

    ...

  • author
    Tracy
    Jan 11, 2022
    Unlock really helped us out when we…

    Unlock really helped us out when we needed it. The only downfall was that it took almost 3 months to complete. Our customer service agen, Lia was awesome.

    ...

  • author
    Alfredcustomer
    Jan 10, 2022
    Customer service was excellent and…

    Customer service was excellent and closing process was smooth and uncomplicated

    ...

  • author
    customer
    Jan 05, 2022
    Unlock came at the time we need a…

    Unlock came at the time we need a solution, when the banks tell you No, easy and without Thank you a lot of paperwork. Thanks!!

    ...

  • author
    Janie Avery-Rivas
    Jan 04, 2022
    I received a message from Consolation…

    I received a message from Consolation Plus a debt consolidation with whom I had a debt consolidation. They told me about a Home investment program. I researched what a Home Equity Investment loan was and how it worked, to see if it was something that would fit our needs. I then reviewed Unlock reviews. They received high recommendations. I gave them a call and they explained everything in detail, answered all my questions and concerns. They were professional and polite thru out the entire process. It was quick and easy and no money was required up front. I am very happy with the results and believe this is the best financial decision I could have made and am glad Unlock was there for me.

    ...

  • author
    Tiffany Antoque
    Jan 04, 2022
    Horrible service great way to get people to loose their homes

    Horrible service ! I sure hope people read before they agree to anything . Good way to gouge people for more money than they are borrowing , and 10th are cap ? If you don’t settle on / before the 10 years they require you to sell your house to settle with them ??? As a person in finance for over 30 years , Don’t do it !!! Unless you want to pay double or possibly triple what you borrow and potentially loose your house . Companies like this prey on people that are desperate for money and do not have the credit to get a legit loan

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  • author
    Dawn Brous
    Jan 03, 2022
    I want to Thank the team and Shelly at Unlock

    I want to Thank the team at Unlock for their support, patience and understanding as they helped me through the process. Making sure I understood every aspect of the contract. Shelly was so very kind in explaining everything and answering all of my questions no matter how silly or strange they may have seemed. I would recommend Unlock highly to anyone, looking for an alterative to a home equity loan or personal loan.

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  • author
    customer
    Jan 03, 2022
    Unlock provides great services in a…

    Unlock provides great services in a timely manner and helped me a lot.

    ...

  • author
    KIMBERLY Gladish
    Jan 02, 2022
    NO one will give me a chance to get me…

    NO one will give me a chance to get me a home !!! They all say low credit !!!!!!!!!!!!!!!!!!!!!!!!! That's all they say , and they close the page !!!!! PLEASE PLEASE PLEASE someone give me a chance , to get me a home and I will show everyone how greatful I am , My husband got killed on MAY 29th ,1992 ! My son's 6th BIRTHDAY ! I didn't have any income then when I lost him and yes , my credit and bills suffered as much as my 2 kids and I did , But, one this is the truth and that is NO ONE , I mean NO ONE will give me a loan or any thing to build my credit up ,They just say , you was not approved , your credit score is to low ! Sorry , one thing that always gets me to fill that application out for that loan is , APPLY for LOAN , NO CREDIT NEEDED !!!!!!!!!!!!!! After you fill the app out , just a few minutes later , this is what they say ; SORRY, CREDIT SCORE IS TO LOW !!!!!!!!, What tops it all off is ; They say ; BUILD THAT CREDIT UP !!!!!!!! SO, THEN YOU CA GET A LOAN !!!! WHO? WHO? WHO? is going to be the one that give a person a chance to build that credit up ??? GIVE A PERSON A $200.00 loan , just to help them get that credit score built back up !!!! give them that $200.00 loan , about 10 times in a roll , HELP !!!! SOME ONE HELP !!!!!! HELP ME BUILD MY CREDIT SCORE BACK UP !!!!! PLEASE !!!!! THANKS KIM G.

    ...

  • author
    customer
    Jan 02, 2022
    Got the chargers and they don’t even…

    Got the chargers and they don’t even work with are phones. Very disappointed

    ...

  • author
    Daniel
    Jan 01, 2022
    A great company

    A great company! A totally new way to get the equity out of your home With no payments for up to ten years. Jamieson who was my broker was always there when I called with questions and explained everything very clear and easy to understand. It was simple and the whole process only took two and a half weeks and my money was there. Thanks Unlock!!

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  • author
    customer
    Dec 29, 2021
    Needed extra funds to get our credit…

    Needed extra funds to get our credit back on track. Standard loan companies wanted high interest and a specific time line. The people at Unlock were patient with all my "what if..." questions and were very efficient in working with me on documentation. Even with the holidays approaching they made sure they kept in touch and actually got us our funds before Christmas.

    ...

  • author
    Paul Cusumano
    Dec 29, 2021
    Shawn Altadonna was great

    Shawn Altadonna was great. He explained the process and answered all of my questions. He was professional, courteous and a pleasure to deal with. I will definitely recommend Unlock to my friends and family. Thank you, Shawn!

    ...

  • author
    Customer
    Dec 28, 2021
    Great experience

    Great experience, funded quick.

    ...

  • author
    customer
    Dec 24, 2021
    Had the most incredible experience

    Had the most incredible experience! Kristi Barton is hands down the best in her field.

    ...

  • author
    richard drzewicki
    Dec 23, 2021
    HALLELUJAH,,,,HALLELUJAH

    HALLELUJAH,,,,HALLELUJAH Everyone can now rejoice in this country because there is a company who does exactly what they say they are going to do. Thank you UNLOCK for providing this program........my hopes are that you succeed to the highest levels and if you ever need a consumer advocate, let me know.

    ...

  • author
    customer
    Dec 23, 2021
    Very simple process with amazing…

    Very simple process with amazing support from Matthew! Would definitely recommend!

    ...

  • author
    Sandy
    Dec 22, 2021
    Thank you Unlock

    Thank you Unlock, I needed help and you were here. The process was easy, my guide Lauren was fantastic! The money went directly in my account very quickly and I could finally breathe a sigh of relief for the first time in quite a while!

    ...

  • author
    KanahT
    Dec 21, 2021
    My experience with Unlock loan

    I worked with Kevin Wu at Unlock to receive cash to help me pay off some bills after having Covid and being out of work for a month. Kevin was very helpful and professional and Unlock has given me the opportunity to manage the medical bills that were unraveling my finances and credit scores. Thank you for the assistance!

    ...

  • author
    MP&HP
    Dec 20, 2021
    I was hesitant at the beginning

    I was hesitant at the beginning, but everything worked out OK. Unlock assisted me with the help I needed. HazefaTaquee was excellent, very professional, and answered all questions, even sometimes during off-hours. Good customer service. He took the time to explain all parts of the contract thoroughly. Within a few days, we were closed on the process. There are no complaints at this point, and I will recommend Unlock to anyone who needs assistance with what they do best. Thank you Mr. Taquee. (MP & HP)

    ...

  • author
    customer
    Dec 13, 2021
    Great and prompt service

    Always answered any questions prompt lu easy process

    ...

  • author
    customer
    Dec 11, 2021
    We had a great experience with the…

    We had a great experience with the program. Alauna Johnson worked with us through the entire porocess, and was very responsive and answered all our questions promptly. Thanks.

    ...

  • author
    Vondell Scott
    Dec 10, 2021
    Excellent service!

    Excellent service!

    ...

  • author
    Martin
    Dec 10, 2021
    Everything smooth and easy

    Everything smooth and easy. Nice people great service

    ...

  • author
    Leo
    Dec 05, 2021
    I was sceptical about how everything…

    I was sceptical about how everything worked. I needed to pull some equity out of my home without adding another monthly payment or affecting my credit. Unlock offered that option for me. They walked me through the process explaining everything and answering all my questions. Working with Francisco was great he got everything done and funded within 30 days.

    ...

  • author
    Antonio
    Dec 05, 2021
    The communication was great and the…

    The communication was great and the process was easy for the most part. I will pass it along to others

    ...

  • author
    customer
    Nov 28, 2021
    Thanks to Unlock I was able to get the…

    Thanks to Unlock I was able to get the help I needed, Matthew Sampson was very professional and easy to work with. He answered all my questions and our journey together was painless and quick. Thank You Matthew, I will suggest Unlock to all I know for the investment process.

    ...

  • author
    Robert Kelly
    Nov 25, 2021
    My Unlock Experience - Excellent Results!

    Unlock provided an option for my family that was better in my opinion than a traditional refinancing. It was an easier and quicker process than I anticipated and now all of my credit card accounts are paid off. My monthly mortgage payment stays the same and I can choose when I want to pay it off in the next 10 years or less. I also want to thank Kristi from Unlock who was very good at communicating and walked me through the process. I’m thankful for Unlock being able access a part of my home’s equity when I needed it. Sincerely, Rob Kelly Parrish, FL

    ...

  • author
    E Huang
    Nov 23, 2021
    Very nice and pleasant to work with

    Very nice and pleasant to work with . My representative did so well . And we are happy with the service and outcome. Thank you so much. Stay safe

    ...

  • author
    Ruth Klussman
    Nov 21, 2021
    Thank you so very much

    Thank you so very much. Lia Lewis is wonderful

    ...

  • author
    Lisa Chalker
    Nov 20, 2021
    New kids on the block off to a good start

    Unlock is a new kid on the block for 2021 with a new loan concept that works extremely well for those like us with excellent credit scores, income means (although not required) and high percentage of equity in their home but that are self employed and can't get a traditional mortgage approved no matter what you do!! This loan product is not for everyone, BUT if you have less than 3 years in business so are without two years of company tax returns, check this out. There are no monthly payments so income is not a strong factor. That was the only barrier for us to get a refinance. We even tried the "no income verification loan" route and was told "sorry." We were about to give up on home improvements for our 30 year old home when I took a chance and tried Unlock. Jamieson Welch was our investment officer. Unlike the others, he was kind, professional and explained his product well and in detail. He explained how we were not going to have the same experience and we didn't. From app to funding, it was less than two weeks. Not typical but obviously can be done in the right scenario. Check out this new product that can help you if you have an atypical financial case. My husband and I highly recommend them for accuracy, speed, caring, and they are awesome to work with. We threw away the button down banks and leapt into the 20th Century. This product may not work for everyone, but it did for us and that is what we wanted to pass along. The product is so new and the cost depends on the ultimate "future appraised value,' so varies from their loss to a high price. The investment contract that we signed seems to be straight forward so it was a GO on our side, too. Thank you Jamieson for taking such great care of us. We highly recommend your professional services to everyone.

    ...

  • author
    Crystal Umphryes
    Nov 20, 2021
    Unlock’s application process from start…

    Unlock’s application process from start to finish was a very fast and easy one. The customer service I received from Kristi B was amazing! I would recommend this process to anyone who is looking to tap into their home equity instead of going through the tradition process at their bank or credit union.

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  • author
    Mark and Billie
    Nov 20, 2021
    Awesomeness

    Fast, on top of everything, returned calls in a timely matter I recommend

    ...

  • author
    customer
    Nov 17, 2021
    The unlock team was awesome!

    The unlock team was awesome!! Kristi was very professional and kept me updated through the entire process, we had a few obstacles to get through but we came out victorious! I am very happy with the process and was funded within 30 days. I have recommended unlock to family and friends excellent experience thanks unlock!

    ...

  • author
    Kim Merriss
    Nov 16, 2021
    Great option for accessing equity in home

    From the first contact to the funding of the loan all the representatives we dealt with were helpful and responsive. Our first agent, John Helbling, explained everything we would need to know and there was no pressure at any time. He was always quick to respond to any of our questions. Our file was finalized by John Zinsmeister and then Lia Lewis and they were both great as well and easy to contact.

    ...

  • author
    TC
    Nov 14, 2021
    What a surprise

    What a surprise! I found exactly 💯 what I was looking for. Professional, quick and highly motivated businessmen who know how to accomplish positive results. I believe this company is "The Wave of the Future!" Fully recommend!

    ...

  • author
    customer
    Nov 11, 2021
    Great Experience

    We were pleased with the process and the professionalism of everyone at Unlock. We have already shared our experience with our son who has reached out to the Unlock team to explore unlocking equity in his home.

    ...

  • author
    David
    Nov 11, 2021
    Simple and easy

    I was surprised at how simple and easy this program was. After dealing with banks and credit unions for an equity home loan, I discovered that some income that I declare and pay taxes on is not counted as income by them. So, I was unable to qualify based on my income and tax returns. However, Unlock does not require that information, it is based on your equity and future growth of equity. In exchange for about 12% of current equity I will pay about 19% of future equity. Compare that to the other equity lenders and they charge as much as 70% of future equity!

    ...

  • author
    DALAGAN/MARCELO FABRIGA
    Nov 07, 2021
    Unlock is the most efficient with…

    Unlock is the most efficient with regard to timely completion of the process. Very clear of what they need to accomplish the process.

    ...

  • author
    customer
    Oct 31, 2021
    It's really helpful if you need…

    It's really helpful if you need emergency fund without any hassle for short term My representative Alluna jhonson may be wrong spell but she was really great helpful

    ...

  • author
    jeffrey holland and judie kuhl
    Oct 24, 2021
    easy loan process

    This company helped us obtain a loan and made it easy. All the information was thoroughly explained and our investment counselor, Kristi, was the greatest! Fast, friendly and efficient sums it up. Thank you UNlock.

    ...

  • author
    Emil
    Oct 20, 2021
    Easy transaction with ample explanation…

    Easy transaction with ample explanation and accessability.

    ...

  • author
    Jeffrey
    Oct 19, 2021
    Fast, efficient and friendly

    Fast, efficient, and friendly describes this business. Kristi, our investment counselor, explained everything in detail and helped us through the process. we are very pleased.

    ...

  • author
    Richard B
    Oct 18, 2021
    What a great company to do business…

    What a great company to do business with.everyone there is so nice and makes working with them easy and enjoyable.u guys rock.

    ...

  • author
    customer
    Oct 10, 2021
    Stress Free

    I, like many people these days have been effected by this pandemic. I was just about to start two businesses when the pandemic struck, Needless to say I was worried that if couldn't find some money somehow I couldn't proceed like I wanted to. After many avenues to obtain some cash none of the things I was trying to do fit me. Then I discovered Unlock and felt immediately that this was a possible way for me to go. The no monthly payment was very attractive to me and I started working with the Unlock team. The process was very detailed and everything was explained to me so I could understand how this company works. Well maybe a month or two later I was able to obtain the money I needed. My stress level went down immediately and now I can proceed with my businesses. Very grateful to Unlock making this challenging time a lot easier to manage. Highly recommend this company. Thanks again Unlock!

    ...

  • author
    EF
    Oct 08, 2021
    Unlock Technologies is the Best!

    Unlock Technologies was very helpful from start to finish. Hoz Taquee answered all my questions and Transaction manager resolved any/all needed to finalized closing. Closed on a Friday and received funds on Monday. That is amazing! This investment is ideal for those seeking funds to resolve one's financial issues and/or to fund their business or start a business. No credit, proof of income needed to qualify and No monthly payments. Rest assured that you will be very satisfied with the level of service Unlock provides. Very happy customer right now. I will repost another review later on when I satisfy this investment. Do not hesitate to give Unlock a call and take care of all needed.

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  • author
    customer
    Oct 07, 2021
    It was a very easy and straight forward…

    It was a very easy and straight forward process.

    ...

  • author
    Tracie Alexander
    Oct 06, 2021
    I can’t say enough about how pleased I…

    I can’t say enough about how pleased I was with the entire loan process! John Helbling was so thoughtful, thorough and informative, he made the process easy to understand and was always available and quick to respond with any questions. I had my money for home improvements and to pay off debt quickly and with no fuss. I would highly recommend Unlock to anyone looking for an alternative home equity loan!

    ...

  • author
    Maurice
    Oct 04, 2021
    Thank you for helping me do my home…

    Thank you for helping me do my home improvements you gave me hope

    ...

  • author
    Tom McCabe
    Oct 04, 2021
    Very easy process

    Very easy process, provided me cash without monthly payments

    ...

  • author
    customer
    Oct 03, 2021
    It was a very straight forward process…

    It was a very straight forward process with great customer service!!

    ...

  • author
    customer
    Oct 22, 2021
    Thank you

    Thank you Kevin Nerney for helping me out I appreciate that sir 👍

    ...

  • author
    Michael F.
    Oct 13, 2021
    Overall, good idea and experience

    Overall, a good idea and responsive team, plus innovative tool for an underserved market segment. The process did take a few weeks longer with fewer eventual funds than expected, but it was a good experience in the end.

    ...

  • author
    Martin Gonzalez
    Aug 27, 2021
    Great group to work with.

    Great group to work with.

    ...

  • author
    victoria
    Aug 19, 2021
    Everyone i dealt with from application…

    Everyone i dealt with from application to closing had ben very professional and supportive. My questions were answered on a timely manner. I am vey thankful for the assistance that afforded me to meet my financing goals. Sincerely, Victoria Peach

    ...

  • author
    Jose Parra
    Aug 16, 2021
    All worked out as promised

    All worked out as promised! Thank you!

    ...

  • author
    Vince X
    Aug 16, 2021
    Good Service and Clear on Details

    John Helbling was very helpfull and answered my questions thoroughly through the entire process.

    ...

  • author
    Robert
    Aug 12, 2021
    Understanding the process.

    My equity consultant was very knowledgeable and did an excellent job of keeping me updated. He took the time to make sure that I fully understood the process.

    ...

  • author
    Gilbert
    Aug 10, 2021
    thank you thank you especially…

    thank you thank you especially investment officer HOZ TAQUEE who help out we already spread unlock to seniors that we know it's better then a reverse mortgage at times thank you Gilbert & Claudina Navarro

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  • author
    Countess
    Aug 09, 2021
    Excellent Experience

    I had already worked with a couple of other firms before I contacted Unlock, so they were in a time crunch to catch up. I was connected to their head of Sales and he made some persuasive fact-based arguments about why I should consider his firm. I'm glad I listened. He was responsive to every issue that arose during the process. He was also informed, transparent, professional, and extremely courteous. He made me feel valued as a customer and helped me to complete the process as efficiently as possible. Plus, hands down, Unlock offered me the best deal. If you are looking for this type of arrangement, I would recommend them without reservation.

    ...

  • author
    Anthony Carney
    Aug 09, 2021
    Outstanding!!!!

    Outstanding!!!!

    ...

  • author
    Shelda Hodges
    Aug 04, 2021
    Great Product! It's not a Loan. Will not show-up on your Credit ! Bravo!

    I am delighted. The process was so simple and easy. All in three weeks and I delayed the Appraiser 1 week to handle personal issues. Closed on Friday funds deposited in my account on Monday. Its a great way to get Equity out of your home without the Bank HOOPS. Happy Dance!

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  • author
    HardFam
    Aug 02, 2021
    Let me start by saying that our account…

    Let me start by saying that our account rep was wonderful. Our issues weren't with him, but with the way the company in general conducts business. They do not do full appraisals, but use a local company, to where you are located, to do comps, and then another company to come take pictures. The right hand didn't know what the left hand was doing and this resulted in delays and them having to come out twice. Our non-appraisal came back almost 100K less than it should have been. And this isn't coming from homeowners who're being emotional about the value of their house. A house, the exact same floor plan as ours, sold in our neighborhood for 80K more than they listed our non-appraisal. That house didn't have granite counters, didn't have a fully landscaped yard, didn't have solar, didn't have battery back ups. We have all that. At that point there wasn't anything we could do. Either move forward, or start the processes completely over with another company. I was told after we closed that we could come back after 6 months and start a new investment with them. This means paying them off, and starting an entirely new investment opportunity. Sounds great, for them. For us it means more closing cost and more money in the end for them. So, my advice, put your foot down for a full appraisal, not their comp/inspection appraisals.

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  • author
    Doyal
    Jul 28, 2021
    Unlock really came through for my wife…

    Unlock really came through for my wife and I, we're getting all our old windows and sliding door redone, and getting our bathroom updated, paying off bills, and getting our mortgage out of hardship, the process was simple, and it didn't really take to long for the closing, then we got our money, John Morath was great to work with very professional, he was awesome, and the whole company is, hope to do business with them again.

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  • author
    Wanda Griffin
    Jul 27, 2021
    I called to see if they could help me

    I called to see if they could help me. Lots of information went out to them. They got back to me let me know what they could do for me. We were all in agreement. And the rest is history. I’m a very satisfied customer. I would recommend them.

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  • author
    Dorothy Simmons
    Jul 16, 2021
    I would recommend UNLOCK

    John Morath was a great person who took me to step by step in helping me to understand this loan process. the only thing it was a little slow and three different INVESTMENT ESTIMATE AMOUNT. So that was a little stressful thinking you get one amount and they keep changing it to something lower than you expected. I said this because the amount was much higher when I first started than what I received.

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  • author
    Solita Ceniza Hines
    Jul 10, 2021
    VERY HELPFUL & ACCOMMODATING

    VERY HELPFUL & ACCOMMODATING

    ...

  • author
    Neal Novotny
    Jul 08, 2021
    Unlock did a good, efficient job

    Unlock did a good, efficient job at servicing us during our funding process. Kevin Wu was a very responsive account representative for us. Thank you.

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  • author
    Dorothy Mayo
    Jul 07, 2021
    They was great helping me through the…

    They was great helping me through the progress. thanks!

    ...

  • author
    Agnes Stokes
    Jul 07, 2021
    Met expectations in a prompt manner.

    Met expectations in a prompt manner.

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  • author
    Sharon Seiden
    Jul 01, 2021
    The Process Was a Positive Experience

    The process made sense and work smoothly until the end. The title company was not not on top of the status of the loan or disbursement. After a few hours it all worked out. I think, it has do with uploading the loan in the title company workspace. After I spoke to someone who was knowledgeable she explained the title process and finally the disbursement happened.

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  • author
    Eddie Romo
    Jul 01, 2021
    i had a great experience except for the…

    i had a great experience except for the length of time it took to get an appraisal.

    ...

  • author
    Joaquin Jasso
    Jun 30, 2021
    Very pleased with the whole process.

    Very pleased with the whole process. Shaun was a great individual to work with and very informative throughout. I was unsure in the beginning but they made me feel secure in my decision to go this route. Thanks again for all you did for me! 😀

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  • author
    Aaron Freiser
    Jun 30, 2021
    Did what was promised in a quick and…

    Did what was promised in a quick and efficient manner

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  • author
    Raul Ortiz
    Jun 17, 2021
    Well you guys delivered when I needed…

    Well you guys delivered when I needed help. Enough said.

    ...

  • author
    Donald
    Jun 08, 2021
    Unlock came through during a time when…

    Unlock came through during a time when I needed them when my Mortgage misled me with their guidelines and policies

    ...

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