Unlock offers a home equity agreement—an alternative to home equity loans for homeowners who may not qualify or don’t want to borrow money. It may offer you cash in exchange for a portion of your...

After receiving confirmation, complete the unlock by inserting a new SIM card and connecting to Wi-Fi or iTunes. Your iPhone should now work with any compatible carrier.

Not registered with Unlock? Start an Application. At Unlock, we provide products and services that help homeowners address financial needs so they can plan the future they envision.

Unlock your phone and use it on supported carriers and SIM/eSIM cards. We submit an unlock request using standard IMEI-based processes where available, so your device can work with compatible networks.

We unlock the power of home equity to enrich homeowners’ lives. We do that by helping homeowners turn equity into opportunity with clear, flexible financial options – so they can plan the future they envision.

Explore answers to top questions about Unlock’s home equity agreements. Learn how they work, who qualifies, and what to expect with fees and settlement.

Through our HEA, Unlock provides a lump sum of cash (up to $500,000) in exchange for a portion of your home’s future value. There are no monthly payments and no interest charges.

With an Unlock Home Equity Agreement (HEA), you receive a lump sum of cash today in exchange for a share of your home’s future value. The cost of your HEA is based on how much or how little your home appreciates during the length of your HEA term, which can last up to 10 years.