generated: '2026-09-02'
method: searched
source: https://www.unlock.com/what-it-costs/
plan_count: 0
note: >-
  Unlock publishes no API plans, tiers, quotas or developer pricing, because it runs no developer
  program: the two REST surfaces profiled here are the anonymous content API behind its marketing
  site and carry no signup, key issuance or metering. What the company does publish is consumer
  pricing for its home equity agreement, recorded below under consumer_product_pricing so the
  commercial terms are not lost — these are the terms of a financial product sold to homeowners,
  NOT an API price list, and they must never be read as API plans.
plans: []
consumer_product_pricing:
  product: Home Equity Agreement (HEA)
  source: https://www.unlock.com/what-it-costs/
  method: searched
  currency: USD
  terms:
  - name: Origination fee
    value: up to 4.9% of the lump sum received
  - name: Minimum investment
    value: $15,000
  - name: Maximum investment
    value: $500,000
  - name: Maximum property share
    value: 49.9%
  - name: Annualized return cap
    value: 19.9% per year on Unlock's investment
  - name: Term
    value: up to 10 years
  - name: Monthly payments
    value: none during the term
  - name: Third-party costs
    value: home appraisal, title and escrow fees, credit and recording fees, paid to third parties
  availability:
    states: 26
    source: https://www.unlock.com/wp-json/unlock/v1/active-states
    list: [AL, AZ, CA, FL, HI, ID, IN, KY, MI, MO, MT, NV, NH, NJ, NM, NC, OH, OR, PA, SC, TN, UT, VT, VA, WI, WY]