Making Home Equity Accessible to Everyone
Traditional finance gates equity access behind credit scores and income verification. Your home's equity exists regardless of your credit history. UnblockEquity uses blockchain technology and DeFi protocols to make home equity accessible -- no matter your credit score.
Equity Exists. Access Doesn't.
Millions of homeowners sit on substantial equity they cannot touch because traditional lenders reject anyone with late payments in the last 12 months.
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 credit check determine if you can access what you already own?
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
DeFi Technology
Morpho Blue on Base blockchain enables self-borrowing. Homeowners deposit their equity tokens as collateral and borrow USDC directly -- no bank middleman, no credit check, no income verification. Instant liquidity from your own equity.
- Deposit equity tokens as collateral
- Borrow USDC against your own collateral
- No bank approval or intermediary
- Instant settlement on Base L2
FL Homestead Protection
Our model is specifically designed to preserve Florida homestead benefits. Unlike LLC-based structures that destroy these protections, our junior lien approach keeps all homestead benefits intact.
- $50K homestead tax exemption preserved
- Save Our Homes 3% assessment cap maintained
- Creditor protection remains in place
- No due-on-sale clause risk
Built on Proven Infrastructure
Every component in our stack is production-grade, from blockchain settlement to county-level lien recording.
Property equity 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 Morpho Blue enables permissionless lending -- all without a bank in the middle.
From Question to Platform
Founded in Miami, FL -- 2026
UnblockEquity was founded by a team of real estate and DeFi professionals who kept running into the same problem: homeowners with hundreds of thousands of dollars in equity who couldn't access a dime of it because of a few late payments on their credit report.
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 set out to build the bridge between real estate and DeFi -- combining proven legal structures (junior liens, shared equity agreements) with permissionless lending protocols on Base blockchain. The result is a platform where your home's value speaks louder than your credit score.
Let's Talk
Whether you're a homeowner looking to access your equity, an investor interested in fractional real estate, or a partner -- we want to hear from you.