Unlock Reviews 1,998

Jessica West had been a God sent to us. We needed some help obtaining funds through our townhome. She had walked us through the whole process painlessly. She is very professional and yet personable and friendly at the same time. I would wholeheartedly recommend Jessica to my friends and acquaintances if they are in need of her services. Thank you Jessica!

Great overall experience! Everyone was extremely professional and helpful. Very clear and no hidden surprises throughout the entire process. I would highly recommend them!

I would like to thank Tav Moore and his team for making this process completely stress free. You guys are fast, efficient, courteous and very professional. Customer service was excellent. My calls were answered promptly and all scheduled meetings happened on time and that's saying a lot these days. So once again thank you Tav and give my thanks to your team.

Jessica and Ariel have been wonderful to work with. Jessica has taken time to explain everything to me and keep me in the loop about everything. Ariel was wonderful at responding to emails in a timely manner to help things move flawless. Thank you!

I worked with team Jennifer K and Jennie. I did my research and realized at the end of the day they are all pretty similar, it depends on how long until you pay funds back. Jennifer helped me fully understand this and was very friendly and professional. We had one hiccup (no ones fault, just a situation) that paused the process. She kept me informed and updated on what was happening. She came through to help rectify the situation. Also, I found one hidden number inconsistency that was WAY in my favor. When I brought it to her attention, she totally went to bat for me. Unock stepped up and honored what the estimate had on it even though it resulted in a pretty big chunck of money out of there pocket and into mine :-) They were a 10 for sure!

Dayjah Griffin-Davenport was very helpful and understanding. There are multiple tiers and if your credit stinks you will pay much more. Depends on your situation whether it works for you or not. In my case (70 years old) it will be a tremendous help with no monthly payments for 10 years. Go into it with your eyes wide open. If you have fairly good credit and plenty of equity it's not a bad plan. If your credit stinks like mine it's about like having a 10% interest rate on a high risk heloc for 10 years - with no monthly payments!

This whole process was so simple and easy! I was well informed of everything. Dayjah Griffin was very professional and stayed in touch with me if I needed anything or had a question. She was amazing!

We had a great experience with Unlock! Dayjah, our customer service associate, went above and beyond when our paperwork hit a snag. She stayed in communication with us throughout the entire process, explaining everything. We couldn't be happier with our results! Thank you, Dayjah and everyone at Unlock😊

Jessica was absolutely a gem in this entire process. She was knowledgeable and articulated everything thoroughly and answered all my questions professionally. I truly enjoyed working with her (and unlock)!

If you want the RockStar ask for Allison Beach and here's why, I'm in the customer service business and Allison held my hand through out the whole process even when we hit a couple of bumps in the road. She goes above and beyond her duties and has made me and my wife really comfortable, assuring us everything will be alright. This company needs 10 more of her!! And if your in need ask for Allison Beach ! She has now became and always will be my favorite Beach !! Epic Experience!!

I worked with Tave Moore and not matter what time of day he was always a help.

What made the experience great is that they were great in explaining each step and communicating what was required from the underwriter. I never felt like I was ever wasting my time with unnecessary documents. Both Kyle and Avida work excellent as a team. I highly recommend Unlock for this type of home loan.

Unlock is a fantastic company. They really care about you. Dayjah was phenomenal to work with. And a huge shoutout to Robert for putting up with my impatience. Thank you again for all that you do!
Elizabeth Albright-Manuel

I highly recommend Unlock for people pursuing a HEA loan.
Dayjah Griffin was a pleasure to work with during our loan application. She guided us through the paperwork patiently and kept us abreast of where the loan application stood at all times.

I worked with Tav and Veronica, both were great! Honestly the best communication I've experienced with an equity loan. It's not cheap, but the value of accessing equity without payments is priceless in some situations. I'm actually saving money long term since I didn't have to refinance my first and keep using high interest debt to stay in my home. Overall I'm grateful this product is available and Unlock was great though the process.

This contract from Unlock Partnership Solutions is a very bad deal for a homeowner, and I wish I had never signed it.

They give you one lump sum of money up front, but in return they get a huge cut of your home’s future value. The papers say their **Investment Percentage** is about **41%** of your starting value, but that is just how they price the deal.[1] What really matters is the **Unlock Percentage**: they get **70% of your home’s future value**, and if they decide your place is being used like a rental, their share can jump to about **76%**.

They also cap their own profit at a very high level: they can earn up to about **19.9% per year** on the money they gave you. Over 10 years that means their share can easily grow into the hundreds of thousands of dollars, while you are the one who paid the mortgage, taxes, insurance, and upkeep the whole time.

The contract is full of legal language that gives Unlock a lot of power and takes protection away from you. They record a lien (a deed of trust) on your home that lets them foreclose using a power‑of‑sale process if you break the rules. That lien covers not only the house but also things like rental income, insurance money if there is a fire, and even money from a government taking. If there is any problem, they can add lawyer bills, inspection costs, and money they spend on taxes, insurance, or repairs onto what you owe, and all of that is secured by your house.

You have to follow very tight rules about living in the property. You are required to use it as your **main home** and be there a minimum number of days each year, and there are strict limits on how you can rent it out.

If they think you broke those rules or treated it like an investment property, they can permanently raise their share of your home’s value. They also have rights to inspect the property, ask for paperwork, and treat some lease or sale situations as a default, which can lead to extra fees or even foreclosure.

If you have a dispute with them, most of the time you cannot go to regular court. You are pushed into private arbitration with a company called JAMS, you cannot bring a class action, and the arbitrator is not allowed to award things like punitive or “extra” damages. At the same time, Unlock is still allowed to go to court when they want to foreclose or get emergency orders to protect their interest.

In simple terms: Unlock gives you cash now, but they keep most of your upside later, and the contract is written to protect them, not you.

Lastly its almost impossible to refinance through va products do to the legal jargon of the contract. It's not a mortgage so it's not on your credit but when they go to pull your title this company is first lien. I have an 800+ credit score now and im still getting turned down at the end of the process because Unlock can't send anything other then the contract you signed to the loan companies to help close.

I would tell anyone thinking about a deal like this to have a good real‑estate or consumer‑law attorney review it first—and if the terms look like this contract, strongly consider walking away.

I had a situation that needed some fast cash. I came across the Unlock site and decided to give it a try. That is where Wesley Ontiveros came in and made things so much easier for me. He made things come together along with Summer who was also amazing and brought everything to become possible. Give them a try, they don't bite.

Tav Moore has been there from the beginning to the end. He have help us and walked us through it, and given us a better understanding of what we were doing. He was totally awesome. He made the entire process easy and smooth.

Tav Moore was able to answer all my question's. I appreciate working with him. Tav was patient and made sure I had a full understanding of the the details moving forward. . I was able to review all the details before the signing. He gave me the confidence I had a full understanding and all my questions were answered.