# Unlock

> Unlock is a Tempe-based financial technology company offering home equity agreements: homeowners receive cash now and settle an agreed share of their home’s later value within ten years. The product preserves an existing mortgage and avoids monthly payments to Unlock, while creating a lien and a potentially substantial future settlement obligation.

- **Founded:** 2020
- **Headquarters:** Tempe, United States
- **Founders:** Jim Riccitelli (CEO and Co-Founder), Dan Foster (Co-Founder), Ryan Craft (Co-Founder)
- **Products:** Home Equity Agreement (HEA), Owner Buyout and Partial Buyouts, Home Equity Cost Estimator
- **Notable:** Reported more than $1 billion in invested capital and 14,000 customers in July 2025., Closed a $403.9 million securitization in December 2025., Closed its seventh rated and eighth overall securitization in May 2026, backed by 3,546 agreements.

## Products & services

- **Home Equity Agreement (HEA)** — Cash of $15,000 to $500,000, subject to eligibility and underwriting, in exchange for an agreed percentage of the home’s value at settlement. Ten-year term, no monthly payments to Unlock, and a property lien.
- **Owner Buyout and Partial Buyouts** — An owner may settle before maturity; partial buyouts require approval and valuation, have associated costs and must leave at least 25% of the original Unlock percentage outstanding.
- **Home Equity Cost Estimator** — Online tool illustrating potential settlement amounts under different home-price and exit-year assumptions; estimates are not personalized offers.

## Achievements

- Reported more than $1 billion in invested capital and 14,000 customers in July 2025.
- Closed a $403.9 million securitization in December 2025.
- Closed its seventh rated and eighth overall securitization in May 2026, backed by 3,546 agreements.
- Reported approximately $2 billion of HEA originations and more than 20,000 homeowners served in June 2026.
- Website reported 25,000+ funded agreements and listed 26 eligible states as observed October 25, 2026.

## Latest updates

- **2026-08** — Minnesota announced a settlement with Unlock Partnership Solutions providing $944,626 in monetary and estimated debt relief and requiring compliance with state mortgage law. Unlock denied the allegations.
- **2026-07** — Published a survey on financial pressures facing homeowner parents.
- **2026-06** — Colorado announced a settlement requiring compliance with state lending laws, licensing and restitution; $283,375 had been identified for 125 consumers at announcement.
- **2026-06** — Announced the approximately $358.5 million UNLOK 2026-1 securitization, which closed May 21.
- **2026-06** — Expanded HEA availability to Alabama.

## Links

- Website: https://www.unlock.com/
- LinkedIn: https://www.linkedin.com/company/unlocktechnologies
- Twitter/X: https://twitter.com/UnlockHEI
- YouTube: https://www.youtube.com/@unlocktechnologies
- Instagram: https://www.instagram.com/unlocktechnologies/
- Facebook: https://www.facebook.com/unlocktechnologies
- TikTok: https://www.tiktok.com/@unlocktechnologies

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Profile page: https://yespress.io/unlock
Published by YesPress — https://yespress.io
Last updated: 2026-10-25