Yes.  You can end your Unlock Agreement without selling your home by buying Unlock out.  We call this an Owner Buyout and you can do it at any time during the term.  You start the process by submitting an Owner Buyout request to Unlock at least 60 days ahead of the desired closing date.  There is no prepayment penalty.
The calculation and payment of the Unlock Share is just like with a home sale, but since there is no sale price available to determine Ending Home Value, it is determined by an independent third-party appraisal.
The appraisal will also determine the amount of an Improvement Adjustment if you have requested one.  We will obtain a property inspection to determine if a Maintenance Adjustment might be needed.  These adjustments, when they apply, impact the Ending Home Value that is used to determine the Unlock Share.
Once the Ending Home Value and Unlock Share are determined, we will engage an escrow company and supply a settlement statement and documents needed to release our lien on the property.  You will wire funds to the escrow company to cover the Unlock Share and all transaction costs.  At the closing, the escrow company will pay us the Unlock Share and release our lien, ending the Unlock Agreement.
If you qualify for a mortgage loan based on credit score and income, you may be able to pay some or all the cost of an Owner Buyout by refinancing your mortgage or obtaining an additional loan against your property.
See the Unlock Product Guide for more details.