Is Unison legit?

• Track record: the CFPB reported 12,000+ contracts originated by Unison, as of September 2024 (CFPB, January 2025).
• Where it operates: 23 states, from Unison's own list.
• Published terms: Unison publishes enough of its pricing for us to model its cost: 14.7% a year in our standard example. Every term and its source.
• CFPB complaints: 15 filed against "Real Estate Equity Exchange, Inc. d/b/a Unison" (6 since 2025). The most common issue: trouble during payment process. It answered 15 of 15 on time. Details.
• Lawsuits and enforcement: Olson v. Unison Agreement Corp. (U.S. Court of Appeals for the Ninth Circuit) (vacated, ruling August 2025; vacated October 17, 2025).

1. Look up the company's license in NMLS Consumer Access and with your state's financial regulator.
2. Read its CFPB complaints and our regulatory tracker.
3. See whether you'd qualify on Unison's requirements.
4. Put the offer through the Unison calculator and compare it with the alternatives.

Is Unison legit?

Unison is a real, established company: the CFPB counts it among the larger providers. State authorities have also taken action involving it, listed on this page. Legit isn't the same as a good deal, though: an HEI usually costs more than a HELOC if you can get one.

Is Unison a scam?

Nothing in the public record we reviewed suggests a scam: Unison is a real provider with published terms, though state authorities have taken action involving it. The more useful question is cost: in our standard example it costs 14.7% a year, and more if you sell early or your home grows fast.

Has Unison been sued?

Our tracker lists: Olson v. Unison Agreement Corp. (U.S. Court of Appeals for the Ninth Circuit) (vacated, ruling August 2025; vacated October 17, 2025).

What do customers complain about with Unison?

The most common issue in its 15 CFPB complaints is trouble during payment process.