Shared-Appreciation Mortgage | DirectLenderMatch

What is it?

DirectLenderMatch classifies Shared-Appreciation Mortgage under the financing form “Mortgage/equity hybrid.” Its typical use in this directory is: Lower cash financing in exchange for appreciation share.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Home + agreed appreciation participation. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Lower cash financing in exchange for appreciation share.

What backs or supports it?

Home + agreed appreciation participation.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Financing, not a conventional loan

Workbook classification: Hybrid. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Shared-appreciation mortgage lender

Unison Mortgage Corporation

Unison offers an equity-sharing home loan whose repayment includes principal plus a predetermined share of future appreciation.

Official evidence page →

Last verified: 2026-08-24