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How to apply

You can apply for cash-out refinancing with Unlock online. If you live in a state where Unlock is available, you are eligible to create an account and submit a refinance application.


You can apply for a cash-out refinancing with Unlock, but you must be eligible first. You will need to meet some requirements before then, including the following:

  • The minimum age requirement is 18 years old.

  • A minimum credit score of 500 is required.

  • Your home should have a minimum equity of at least 20%.

  • You must be a resident of one of the 15 states listed above.

  • You must have a loan-to-value ratio of at least 70%.

  • Personal documents such as ID, homeowner’s insurance declaration documents, mortgage statements, lease agreements, proof of rental income, and, if required, trust documents must be presented.

Application details

When you submit your state of residency, the initial approval procedure takes about 60 seconds to complete. The remainder of the application will take 5–10 minutes to answer. If you like the terms and the amount Unlock offers you, they will order an assessment and inspection of your home after reviewing your application. This could take anywhere from 10 to 30 days. Once everything checks out, Unlock will provide you an Investment Closing Statement with the final terms. Unlock will then deposit the funds into the bank account you provided when applying for a cash-out refinance.

If something does not appear correct, Unlock customer care will inform you that your application has been declined. Remember that while Unlock will show you how much you are qualified for during the application process, you should not make any financial obligations until you get the money in your account.

How to apply for Unlock home equity cash-out refinance

When requesting for a cash-out refinance, these are the steps to follow:

  1. Go to the lender’s website to fill out the application.

  2. Click Get started.

  3. Confirm your state of residence.

  4. You will be requested to submit information about your property.

  5. Fill in your credit score and click Next.

  6. Provide your contact information, including your name, address, and phone number.

  7. After reading and understanding the two loan terms, check each box and click Next.

  8. You will be prompted to provide identification, lease agreements, mortgage statements, or a homeowner’s insurance declaration.

  9. You will receive an offer with the maximum amount Unlock can offer you.

  10. Submit your application for a cash-out refinance.

  11. Wait for approval by clicking on Book a Call or calling (844) 688-4836 to speak with a home equity consultant.

  12. After approval, you and Unlock might enter into an agreement in which you may get 15% of your home’s current value in return for 21% of its future value.


How long does it take to get approved by Unlock Technologies?

After you submit your application, Unlock will approve your home equity cash-out refinance within 10 to 30 days.

How trustworthy is Unlock Technologies?

Unlock is Better Business Bureau accredited, and former customers have given it a high rating of 4.6 out of 5 stars based on about 90 Trustpilot reviews.

Does Unlock Technologies verify income?

No. Although there is no requirement for income, Unlock may ask for proof of income in specific situations.

Does Unlock Technologies hurt your credit score?

No, Unlock performs a soft credit check that has no effect on your credit score.

Today Unlock Technologies Calculator of 15.06.2024

Unlock Technologies calculator will allow you to calculate an approximate payment schedule for the loan

Unlock Technologies calculator
Interest rates are given in accordance with the rates of the Unlock Technologies of 15.06.2024
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