Key facts
- Unlock said its HEA product is now available in more than half of US states after the Georgia launch.
- Unlock said more than 25,000 homeowners nationwide have used an Unlock HEA to access home equity.
- Unlock cited Cotality data showing Georgia mortgaged homeowners averaged $248,000 in home equity at the end of Q1 2026.
- Unlock cited ATTOM data showing 37.7% of mortgaged Georgia homes were equity-rich in Q2 2026.
- Michael Micheletti, Unlock's chief marketing officer, said Georgia ranked second for inbound interest among states where Unlock had not launched.
Unlock Technologies announced on November 12, 2026 that it expanded its home equity agreement product to Georgia, bringing availability to more than half of US states. The Tempe, Arizona-based company said in its release that more than 25,000 homeowners nationwide have used an Unlock HEA to access their home equity.
Home equity agreements give homeowners cash in exchange for a percentage of a home's future value without an added monthly payment. Homeowners keep ownership and can stay in the property, and they avoid refinancing an existing mortgage, which the company said can be advantageous in a higher-rate environment.
Unlock cited Cotality data showing Georgia homeowners with a mortgage held an average of $248,000 in home equity at the end of the first quarter of 2026. It also cited ATTOM data showing 37.7% of mortgaged homes in the state were equity-rich in the second quarter, meaning owners owed no more than half of the property's estimated market value.
Georgia was the second-highest state for inbound interest on Unlock.com among states where the company had not yet launched, said Michael Micheletti, Unlock's chief marketing officer. "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," he said.
Micheletti said homeownership is getting more expensive in Georgia, citing rising property taxes, insurance premiums and maintenance costs. He said many homeowners have built substantial equity that their monthly budgets do not reflect.