Unlock provides financial services that allow homeowners to access their home equity through home equity agreements (HEAs) without the need for traditional loans or monthly payments.

Unlock Technologies

Unlock

Unlock Technologies | 3,656 followers on LinkedIn. Unlock helps homeowners access the equity in their home without a loan. No monthly payments. No interest charges, ever. | Unlock helps everyday American homeowners that have been left behind by the traditional home and finance system. While there are many ways to tap home equity, a home equity agreement (HEA) from Unlock is unique because it was designed to help families solve their financial challenges, and in doing so help them live more successful financial lives.

Kelly Moncada

Technology Leader | Solutions Architect | IT Strategy | I help organizations scale their Marketing Operations (and Profits) 📈

Chris Carrel

Senior Product Manager at Unlock

John Park

Business development specialist and home finance marketing expert. Also I’m a fisherman and saltwater enthusiast. All work and no play after all lol

Paul Fanning

Thanks to National Association of REALTORS® for a productive #NAR NXT! Our CEO James Riccitelli enjoyed educating real estate professionals about how our home equity agreement (HEA) is helping homeowners invest in real estate without a loan. Didn’t get the chance to connect with us? Reach out to Unlock CMO Michael Micheletti to learn more about what we do. #NARNXT #NEARREACH #HomeEquity #HomeEquityAgreement

We're so excited to hear Unlock CEO Jim Riccitelli speak this morning at #NAR NXT. He'll be joining fellow NAR REACH startups for the session, "Fastest Growing Tech Solutions for Real Estate." If you're here, be sure to visit us at booth #1431 and discover how we're driving innovation in the real estate industry. #NARNXT #NARREACH #HomeEquity #HomeEquityAgreement #HEA

Homeowners have been reluctant to tap the record equity they’re sitting on until recently. In the third quarter, homeowners withdrew $48 billion of home equity – likely incentivized by the Federal Reserve’s interest rate cut in September. Could an interest rate cut later this week drive more activity?

Mortgage rates continue to rise after falling in September, frustrating would-be homebuyers. Those looking for relief in November might be disappointed. Experts aren’t anticipating significant rate declines until 2025, despite expectations for another rate cut by the Federal Reserve next week.

Limited housing stock kept prices high this year. But the pace of increases is expected to slow in 2025. Where do you think home prices are headed?

It’s great to see the financial media paying closer attention to home equity agreements (HEAs). Investopedia recently produced this guide to HEAs, which explains how they work, the pros and cons, how to qualify and which HEA providers to consider, including Unlock.

Congrats to our marketing partners Everflow - Partner Marketing Platform and Vibrant Performance , who won the Best Lead Generation Campaign award for their work with Unlock at the Global Performance Marketing Awards. We're proud of the strong results they've achieved.

We’re excited to welcome Brad Kindt to Unlock as Chief Credit Officer. Brad is a senior executive officer with more than 20 years of credit, risk management and lending strategy experience. Before joining Unlock, he served as a Chief Credit Officer at Lending Club, Ameriprise Bank and TCF Bank. He has also held senior roles at U.S. Bank and Fifth Third Bank. We're grateful to have Brad on board, overseeing our underwriting and asset management functions.

Catch Unlock in Miami next week at #ABS East 2024, the largest meetup for the world’s structured finance market. Unlock CEO James Riccitelli and Chief Capital Officer Peter Silberstein are excited to connect with structured finance professionals, gain industry insight and educate investors about home equity agreements (HEAs). #ABSEast#structuredfinance#HomeEquityAgreements#HEA

Thanks to MarketWatch for this updated review of Unlock’s home equity agreement (HEA). Unlock earned 4.4 stars from MarketWatch and our HEA was considered best for “homeowners who need quick access to cash but don’t want to deal with monthly payments or interest.” Read the full review below.

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