If you’re a homeowner interested in an alternative to home equity loans and lines of credit, Unlock may have the solutions for you. When you work with Unlock, you aren't locked into a loan term or monthly payments. Payments are due to the company only when you decide to sell your home. Unlock makes accessing home equity easier for some homeowners. These include people with less-than-ideal credit, those who can't comfortably manage monthly payments, and younger people who do not qualify for a reverse mortgage. Unlock gets high marks from us for having a strong reputation and an easy-to-navigate website that features an extensive FAQ. Based on its business model and the simplicity of its offering, the company is worthy of consideration for any homeowner seeking to access his or her home equity.