No credit check. No income verification.

Denied a HELOC?
We Don't Care.

Borrow USDC against your home equity instantly via DeFi. No credit check, no income verification, no monthly payments.

$0
Monthly Payments
No
Credit Check
50%
Max LTV
WHY WE EXIST

Not All Equity Access Is Equal

Traditional lenders deny 40% of HELOC applications. Late payments, self-employment, or thin credit files kill your chances. We look at your home, not your history.

Traditional HELOC

Banks say no to 40% of applicants

  • Credit score 680+ required
  • Income verification & W-2s
  • 30-60 day approval process
  • Denied for late payments in last 12 months
  • Variable interest rates (8-12%)
  • Monthly payments required
  • Bank can freeze your line anytime

UnblockEquity Borrow

If you have equity, you qualify

  • No credit check whatsoever
  • Valuation-based only (we look at your home)
  • Same-day funding via DeFi
  • Welcome late-payment homeowners
  • No interest -- flat origination + servicing fees
  • No monthly payments ever
  • You control your tokens and wallet
HOW IT WORKS

Four Steps to Liquidity

From your address to USDC in your wallet. No bank, no underwriter, no committee.

1
Free

Enter Your Address

Get a free instant valuation powered by ATTOM AVM. See your estimated equity and maximum borrow amount in seconds.

2
$499

Apply & Pay Processing Fee

$499 covers valuation verification, title search, and document preparation. Refundable if we can't proceed.

3
$349

Sign & Record

$349 recording bundle covers e-signature, remote online notarization, and county recording of the junior lien.

4
Instant

Borrow USDC

Deposit your equity tokens in Morpho on Base. Borrow USDC instantly against them. Convert to dollars or use directly.

TRANSPARENT PRICING

No Hidden Fees. Ever.

Every cost is disclosed upfront before you commit. Compare that to your bank's fine print.

FeeAmountWhen
Equity CheckFREEInstant
Processing Fee$499At application
Recording Bundle$349At signing
Origination2.5%At funding
Annual Servicing0.5%Ongoing (annual)

Example: $200K Borrow

Upfront Fees
$848
$499 + $349
Origination (2.5%)
$5,000
Deducted at funding
Annual Servicing (0.5%)
$1,000
Per year

Total first-year cost: $6,848 on $200,000 borrowed (3.4% effective rate) -- with zero monthly payments.

HOMESTEAD SAFE

Your FL Homestead
Stays Protected

Unlike equity-sharing or title-transfer models, our junior lien approach keeps your Florida homestead protections fully intact. No title transfer means no disruption.

Legal basis: The Garn-St. Germain Depository Institutions Act of 1982 explicitly permits subordinate liens without triggering due-on-sale clauses. Junior liens are a standard, well-established real estate instrument.

$50K+ Tax Exemption Preserved

No title transfer means your Florida homestead exemption remains in full effect. Save thousands every year on property taxes.

Save Our Homes 3% Cap Intact

Your assessed value stays capped at 3% annual increase. Losing this protection could mean a 40-60% tax jump overnight.

Creditor Protection Maintained

Florida homestead creditor protection shields your primary residence from most judgments. Our model preserves this entirely.

No Due-on-Sale Risk

Junior liens are not a sale or transfer. Federal law (Garn-St. Germain Act) explicitly permits them without triggering your mortgage's due-on-sale clause.

PROVEN MODEL

We're Not the First to Use Junior Liens

The home equity access industry has deployed billions using similar instruments. Our innovation is adding DeFi rails, removing the credit check, and putting you in control.

Point
Home Equity Investments
$800M+
deployed
Hometap
Equity Access Platform
$750M+
deployed
Unlock
Home Equity Agreements
$500M+
deployed
Unison
Shared Appreciation
$1B+
deployed

What Makes UnblockEquity Different

DeFi Self-Borrowing

You deposit your own tokens and borrow against them on Morpho. No intermediary holds your funds.

No Credit Check

We underwrite the property, not the person. Late payments, low scores, self-employed -- all welcome.

Blockchain Transparency

Every lien, token, and transaction is verifiable on Base. Full transparency you can audit yourself.

FAQ

Common Questions

Everything you need to know before accessing your equity.

No. A junior lien is not a transfer of title or a sale. The Garn-St. Germain Depository Institutions Act of 1982 explicitly protects subordinate liens from triggering due-on-sale clauses. Your first mortgage remains completely unaffected.
Your loan-to-value (LTV) is capped at 50%, providing significant downside buffer. If your home value declines, you still own the property and owe the same amount. We do not issue margin calls. The lien is settled when you sell, refinance, or at term end.
There are no monthly payments. The borrowed amount (plus any accrued origination/servicing fees) is settled when you sell your home, refinance your mortgage, or at the end of the agreed term (typically 10-30 years). You can also repay early at any time with no prepayment penalty.
USDC is a regulated digital dollar issued by Circle, backed 1:1 by cash and US Treasury reserves. It is redeemable for US dollars at any time through Coinbase, Kraken, or other major exchanges. Think of it as a digital version of a US dollar.
We are launching in Florida first due to favorable junior lien and homestead laws. We plan to expand to Texas, California, and other states in 2026-2027. Join the waitlist to be notified when we reach your state.
You can sell your home at any time. The junior lien is paid off from the sale proceeds at closing, just like a second mortgage or HELOC would be. Your title company handles this as part of the standard closing process.
We provide a guided setup experience. If you already have a wallet on the Base network, you can use it. If not, we walk you through creating one in under 5 minutes. You can convert your USDC to dollars immediately if you prefer.
We use ATTOM's Automated Valuation Model (AVM), the same data source used by major banks, insurance companies, and real estate platforms. This gives you a free instant estimate. The $499 processing fee covers a more thorough valuation verification before funding.

Ready to Unlock Your Equity?

Join the waitlist to be first in line when we launch. Enter your email and we'll notify you the moment borrowing goes live.

No spam, ever. Unsubscribe anytime.