If you’re not sure which to choose, consider filling out the free cash estimate tool on each company’s website. As you can see above, though, the right choice depends on your goals, your credit score, and other factors. Our analysis led us to choose Unison as the better option if you’re looking for a home equity investment. Which company is our choice between Point vs. Unison requires a 620 credit score to qualify, while Point’s goes all the way down to 500. If your credit’s on the lower end, Point is your answer for a home equity investment. There is an origination fee of 3% with Unison, while Point’s origination fee varies from 3% to 5% (so it could be comparable-but it could also be more). If you’re trying to minimize upfront fees, there’s a chance Unison can help you do it. If you want to limit the origination fee you are charged: Unison The most notable difference is on Trustpilot, where 12% of Unison’s reviews are considered “bad.” Point’s bad reviews clock in at a mere 4%. If you want a company with excellent ratings: PointĪs discussed earlier, Point’s reviews and ratings are slightly better than Unison’s-both in our analysis and on other review and rating sites. There is a five-year restriction on depreciated sales or buy outs with Unison. If you want to buy out the investment or sell the house without limit, Point is the way to go. Call now we’re here to help until midnight on weekdays and 4pm on Saturday. If you don’t want any buy-out restrictions: Point Call free on 08 to join, or to talk to us about any questions you may have. With Unison, $30,000 is the bare minimum. If you need a small investment, Point has the lowest investment range at $25,000.
If you want to limit the origination fee you are charged.If you want a company with excellent ratings.If you don’t want any buy-out restrictions.Check if you fall into any of the following categories to see which company is the best if you do. If you’re still unsure whether Point or Unison is the best option, we’ve detailed some clear-cut scenarios where one service wins out over the other. Scenarios in which Point or Unison is better than the other If your score is on the lower end, an investment from Point is likely your best option. Unison is more widely available, serving states like Delaware, Kansas, Kentucky, Missouri, Tennessee, Utah, and Wisconsin, where Point does not.Īt 620, though, its minimum credit score is much stricter. These tools do not require a complete application or credit check.ĪZ, CA, CO, FL, IL, MD, MA, MI, MN, NV, NJ, NY, NC, OH, OR, PA, VA, WA, DCĪZ, CA, CO, DE, FL, IL, IN, KS, KY, MA, MI, MN, MO, NV, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN, UT, VA, WA, WI, and DC Welcome to UnisonSteadfast We are the largest network of independent medium-sized insurance brokerages worldwide. Then, if you qualify, use the companies’ free quote tools to get a cash estimate. Need an international insurance coordinator. Use the information below to ensure you’re eligible with each company before moving forward. Both Point and Unison have unique credit score minimums, loan-to-value thresholds, and other standards, as well as different state-by-state availability. Is an investment from Point or Unison more accessible?Ĭhecking reviews and ratings is important, but you should also check each company’s eligibility requirements. On the Better Business Bureau’s website, Unison has 42 complaints compared to just three for Point. On Trustpilot, a whopping 90% of reviews say their Point experience was either “good” or “great.” We’re thrilled to provide difference-making credit union loans and financing to communities throughout Northeast Wisconsin with branches in Kaukauna, Little Chute, Wrightstown, De Pere and Grand Chute. Generally speaking, Point has better reviews-and more of them. Empowering You is how we proudly state our commitment to serving members, the absolute first priority at Unison Credit Union. Schedule for Mid Term Examinations of MBA and Int.Does Point or Unison have better ratings and reviews?Ĭustomer reviews and online ratings can be a great way to gauge the trustworthiness of a company and the quality of its offerings.Ĭheck out the table below to see how customers and other rating companies score Unison and Point.