OUR STORY
Home Equity, Unblocked
Every year, 37 million Americans are denied HELOCs — 4.6 million of them sitting on real equity worth $731 billion. Traditional lenders gatekeep behind credit scores, income verification, and 6-8 week timelines. We built a better way: choose your verification level, choose your terms, and access what's already yours. The more you prove, the less you pay — but you never have to prove anything.
THE PROBLEM
Equity Exists. Access Doesn't.
Millions of homeowners sit on substantial equity they can't access quickly — traditional lenders take 6-8 weeks, demand perfect credit, and reject anyone with even minor payment history gaps.
The Core Insight
Your home's equity exists regardless of your credit score. A $500,000 home with a $200,000 mortgage has $300,000 in equity -- whether the homeowner's FICO is 800 or 580. Why should a 6-week credit review determine if you can access what you already own?
OUR APPROACH
Three Pillars of Innovation
We combine proven legal structures with cutting-edge DeFi technology while preserving homeowner protections.
Legal Innovation
Voluntary junior liens are the same legal instrument used by Point, Hometap, and Unlock -- companies that have deployed over $3 billion combined. We use Shared Equity Agreements paired with county-recorded junior liens to create legally-enforceable equity interests without any title transfer.
- Shared Equity Agreement (SEA) defines terms
- Voluntary junior lien recorded at county
- No title transfer -- homeowner stays on deed
- Same model proven at $3B+ scale
Tiered Pricing
Choose your own terms. Our 3-axis model lets you configure credit verification, escrow protection, and recovery rights independently -- 24 possible combinations. The more you prove, the less you pay. Credit check optional, not required.
- Verified, Prime, or Standard credit tiers
- Breathing Room escrow: 3, 6, or 12 months
- Funds delivered directly to you
- No bank approval needed
Homestead Protection
Our model is specifically designed to preserve state homestead benefits. Unlike LLC-based structures that destroy these protections, our Tokenized Lien Collateral approach keeps all homestead benefits intact.
- State homestead tax exemptions preserved
- Assessment caps maintained (e.g., FL Save Our Homes 3%)
- Creditor protection remains in place
- No due-on-sale clause risk
TECHNOLOGY
Built on Proven Infrastructure
Every component in our stack is production-grade, from blockchain settlement to county-level lien recording.
Property lien collateral is tokenized as ERC-1155 (per-property) and ERC-20 (fungible pool) tokens on Base. ATTOM provides automated valuations, Chainlink delivers on-chain price feeds, and DeFi lending enables permissionless borrowing -- all without a bank in the middle.
FOUNDER STORY
I'm My Own First Customer
Vladimir Mirzoyan
Founder & CEO
I own a $1.15M home in Miami with nearly $500,000 in equity. Traditional lenders wanted months of paperwork and perfect credit history. I realized there should be a faster way to access equity secured by the home's real value.
The alternatives were worse — hard money at 15% with balloon payments, equity-sharing companies that take 30% of your appreciation. Every option was designed to extract value, not unlock it.
Your equity was always the guard dog — I built UnblockEquity to unblock it. I'm my own first customer.
The first deal through UnblockEquity is my own house. Signed February 24, 2026. Notarized. Breathing Room 12 — a full year of mortgage payments escrowed before I see a dollar of cash. I'm eating my own cooking because I believe this is the product that should have existed all along for the 37 million American homeowners in the same situation.
Founded in Miami, FL -- 2026
We started by asking a simple question: “Why do homeowners need a bank's permission to access equity they already own?”
The answer was clear: they shouldn't. So we combined proven legal structures — junior liens and shared equity agreements used by $3B+ in existing deals — with modern lending technology to create Tokenized Lien Collateral (TLC). The result is a platform where your home's value speaks louder than your credit score.
CONTACT
Let's Talk
Whether you're a homeowner looking to access your equity, an investor interested in tokenized lien collateral, or a partner -- we want to hear from you.
See how we quantify risk: Actuarial Risk Model — Monte Carlo, Markov Chain, Historical Simulation