Wondering how unlock works? Unlock technologies offers home equity agreements that allow you to receive cash for a portion of the future value of your property. With a typical reverse mortgage, you are required to pay off your existing mortgage at closing in order to qualify. See if you qualify today. Depending on your circumstances an unlock agreement can yield more or less cash to you up front versus a reverse mortgage. The cost of your hea is based on how much or how little your home appreciates during the length your hea term, which can last up to 10 years. Securely log in to unlocks platform to manage your home equity release application and access personalized services. Your privacy is our priority. With an unlock home equity agreement (hea), you receive a lump sum of cash today in exchange for a share of your home’s future value. Discover how a home equity agreement lets you access cash from your equity—no monthly payments. An unlock agreement has no age requirements.