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Credit Card DebtJanuary 10, 2024

Homeowners Are Paying Off Credit Card Debt Without Getting A Loan

Hero image of a hand holding a sign that says 'No monthly payments ever' in front of a house

Are you neck deep in credit card bills? Are your interest rates piling up month after month making it impossible to get ahead? You are not alone.

With the current state of the economy, credit card debt in the U.S. is at an all-time high.* Thankfully there may be light at the end of the tunnel and you don’t need to take out a loan for it.

Homeowners are turning to Unlock.com to access their home equity to pay off debt without monthly payments or interest, ever.

What is Unlock.com?

Unlock.com allows homeowners to access between $30k to $500k of their available home equity. Since this isn’t a loan, you don’t pay monthly payments or interest and taking out equity doesn’t get reported to the credit bureaus.

Unlock offers you a cash payment in exchange for a percentage of your home’s value when you sell in the future. If you don’t plan on selling your house in the future then don’t worry, Unlock also offers the option for you to buy them out.

There’s no monthly payment or interest ever and the term is for 10 years - giving you plenty of time to get everything in order.

Here’s what others had to say about Unlock:

Five star ratings
Five star ratings

Invited

I was looking for a way to get out of the credit card debt I had – not shift it around, but get rid of it. The Unlock HEA is not a loan – It doesn’t show up on my credit report. I’m no longer worried. I have no stress. Now my debt is gone, and since I have not added any debt, my debt-to-income ratio is much better.

— Dawn

Five star ratings
Five star ratings

Invited

Unlock Technologies was amazing to work with and had great communication and processes. Their solution fit my need and this has been a fantastic experience and enabled me to take care of some past debt

— Travis

Five star ratings
Five star ratings

Invited

Unlock Helped me when no one else would. They went over things with me, were friendly and kept me updated.

— Sherri

Checking If You Qualify Does NOT Affect Your Credit Score

Almost any homeowner can check if they are eligible for this exclusive alternative and the best part is, it doesn't affect your credit score. There really is no reason why you shouldn't check if you qualify. Imagine what you could do with debt paid off? You can pay down your mortgage, build your wealth, or go on that vacation you deserve.

Here's How To Check If You Qualify

  • Step 1: Click on your state in the map below
  • Step 2: After answering a few short questions, you will be able to see if you are eligible for the program.
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THIS IS AN ADVERTISEMENT AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE. THE STORY DEPICTED ON THIS SITE AND THE PERSON DEPICTED IN THE STORY ARE NOT ACTUAL NEWS. RATHER, THIS STORY IS BASED ON THE RESULTS THAT SOME PEOPLE WHO HAVE USED UNLOCK.COM HAVE ACHIEVED. THE RESULTS PORTRAYED IN THE STORY AND IN THE COMMENTS ARE ILLUSTRATIVE, AND MAY NOT BE THE RESULTS THAT YOU ACHIEVE WITH UNLOCK.COM.


Unlock Agreements are provided exclusively by Unlock Partnership Solutions Inc., Unlock Partnership Solutions AO1 Inc., Unlock Partnership Solutions AO2 Inc., and Unlock Homeownership Solutions Inc., all of which are wholly-owned subsidiaries of Unlock Technologies, Inc. (collectively, “Unlock”). Unlock holds the following Real Estate Broker licenses: Arizona - CO698434000; California - 02141737; Colorado - IC100092644; D.C. - REO40000074; Florida - CQ1062618; Hawaii - RB-23715; Illinois - 478027520; Massachusetts - 423954; Michigan – 6505431174; Minnesota – 40797638; Nevada - B.1002613; New Jersey – 2185646; North Carolina - C33769; Oregon – 201243836; Pennsylvania - RB069442; South Carolina – 25463; Tennessee – 265329; Utah - 12139955-CN00; Virginia – 0226033193; and Washington – 21010143. The applicable Unlock entity enters into the Unlock Agreements directly with consumers and does not act as an agent or broker on behalf of any third-party. No agency relationship shall be formed between any Unlock entity and a consumer pursuant to or in connection with an Unlock Agreement.


All Rights Reserved.


*Application to funding may take over 60 days to complete. Funding timelines may vary depending on factors, including, but not limited to appraisal turnaround times and follow-ups required for verification of property details and a clear title. Liens or any interest secured on the property by MV Realty must be paid off and removed as a condition to close. Terms and conditions apply.


The following limitations shall apply: property must be your primary residence; no bankruptcy, foreclosure action, short sale, or deed in lieu within the previous five years; no 90-day delinquencies on any mortgage within the prior 24 months; no 120-day delinquencies on any mortgage within the prior 36 months; Unlock must be in no greater than 2nd lien position and home must be clear of any liens deemed unacceptable by Unlock (Unlock may require investment proceeds to be used in order to clear any unacceptable pre-existing liens as a condition to close); Unlock may also require investment proceeds to be used to pay off certain outstanding debts as a condition to close, including (but not limited to) paying off an amount that is sufficient to result in a debt-to-income ratio (“DTI”) of no more than 45%; minimum investment amount of $30,000; property condition rating, as described in the Uniform Appraisal Dataset (UAD), must be at least C4 or better.


Each home equity agreement (HEA) is subject to additional individual underwriting review.


*Source: https://www.cnbc.com/select/us-credit-card-debt-hits-all-time-high/

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