Homeowners in the state can access a portion of their home equity, with no monthly payments, in exchange for a share of the home’s value when they end the agreement
TEMPE, Ariz., Nov. 12, 2026 /PRNewswire/ — The Unlock Home Equity Agreement (HEA) is now available to homeowners in Georgia, making the company’s HEA an option in over half of U.S. states. More than 25,000 homeowners nationwide have used an Unlock HEA to access home equity.
With an HEA, homeowners can access cash from their home equity without taking on an additional monthly payment. In exchange, they agree to repay a percentage of their home’s value when they end the agreement. Homeowners retain ownership and continue living in their homes. They also avoid refinancing their existing mortgage, an important consideration in today’s interest rate environment.
Georgia homeowners hold substantial equity. According to Cotality, the average Georgia homeowner with a mortgage held $248,000 in home equity at the end of the first quarter of 2026. Further, ATTOM reports that 37.7% of Georgia’s mortgaged homes were equity-rich in the second quarter of 2026, meaning owners owed no more than half of the home’s estimated market value.
“Homeownership is getting more expensive, and Georgia homeowners are feeling the impact of rising property taxes, insurance premiums and maintenance costs. Many homeowners have built substantial equity, but their monthly budgets don’t always reflect that,” said Michael Micheletti, chief marketing officer at Unlock. “Unlock gives homeowners a way to access that equity without adding another monthly payment.”
“To date, Georgia has ranked second in inbound interest on Unlock.com among states where we have yet to launch,” continued Micheletti. “That level of interest reinforces what we’re seeing across the country: homeowners want greater flexibility in how they access and use their home equity to address critical life needs.”
According to 2026 analysis by housing economist Skylar Olsen, Ph.D., commissioned by Unlock, property insurance costs are up 81.8% in Georgia since 2020, property taxes are up 27.7% and maintenance costs are up 40.4%. All of these are outpacing the national averages.
“Homeownership costs will continue to surge. What matters is giving Georgia homeowners the flexibility to manage those expenses on their own terms, with a clear understanding of their options and how those options fit their financial needs,” Micheletti added.
About Unlock Technologies
Founded in 2020, Unlock Technologies is a Tempe, Arizona-based financial technology company providing products and services that help consumers solve financial challenges and improve their financial health. The company’s flagship product is its home equity agreement, which lets homeowners access a portion of their equity as cash, with no monthly payments, in exchange for a share of the home’s value when they end the agreement.
Media contact: Allison Ferré, Communications and Public Relations Director, allison.ferre@unlock.com.
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SOURCE Unlock Technologies
