Three Choices.
Your Terms.
Pick your verification level, add Breathing Room™ if you need it, choose your recovery right. Every combination unlocks a different LTV and fee structure. The more you prove, the less you pay. But you never have to prove anything.
Three Independent Choices
Every borrower configures three axes independently. Your combination determines your LTV, fees, and risk profile. No pre-packaged tiers — just the product you need.
Credit Verification
How much you verify
Full underwriting. Best rates.
Soft pull only. Great rates.
Just your address. No documents.
Loan Terms
Escrow & repayment flexibility
No escrow protection
3 months pre-funded + arrears catch-up
6 months pre-funded + arrears catch-up
12 months pre-funded + arrears catch-up. Best value.
Mandatory for borrowers with missed payments. Optional for current borrowers. BR catches up arrears, pre-pays future months, and builds clean payment history for HELOC graduation.
Lender Rights
Collateral recovery options
UE can only enforce the junior lien at sale. No foreclosure right. Max LTV: 62.5% (Verified/Prime) or varies for Standard with BR.
Grant UE the right to foreclose. Gets up to 75% LTV (Verified), 70% (Prime/Standard). Paradox: 75% with foreclosure is safer for depositors than 62.5% without.
Key insight: Lower LGD from foreclosure rights means depositors face less risk, so they can lend more. You benefit from the math.
Build Your Product
Pick your three axes and see your LTV, fees, and estimated proceeds in real time.
Fee Breakdown
You borrow $12,500 against your $200,000 in equity at 6.3% LTV. Net cash to you: $11,858. No fixed payment schedule. Repay on your own terms.
Free valuation. No credit impact. See your options in seconds.
Every Combination
Max LTV for every verification + recovery + Breathing Room combination.
A New Kind of Financial Product
Your home equity, secured on-chain and backed by a county-recorded junior lien, used as collateral to borrow USDC. You receive cash — not an equity-sharing arrangement with investors.
County-Recorded Lien
A voluntary junior lien is recorded at your county clerk's office. This is the same legal instrument used by Point, Hometap, and Unlock to secure $3B+ in home equity transactions.
Tokenized on Base
Your lien position is secured as on-chain collateral on Base L2. On-chain, transparent, and auditable by anyone.
USDC via DeFi Lending
UnblockEquity secures your equity on-chain and borrows USDC on your behalf through a transparent DeFi lending protocol. Your funds are never held by a middleman.
You Borrow, and Your Risk Goes Down
With Breathing Room™, any overdue payments are caught up instantly. Then 3–12 months of future payments are escrowed and paid automatically to your mortgage servicer by a licensed title company. The borrower is now guaranteed to perform for the full escrow period. Every other equity product ignores your mortgage obligations. Breathing Room handles them.
UE Is a Bridge to HELOC
Breathing Room cures your arrears, pre-pays future months, and builds 12+ months of clean payment history. That clean history is exactly what banks need to approve a traditional HELOC. We are the on-ramp, not the destination.
How Tokenized Lien Collateral™ Works
Six steps from your address to cash in your bank account.
Check Equity
Free AVM valuation. See your equity instantly.
Configure
Pick verification, BR, and recovery right. See your LTV and fees.
Prove Value
Optional upgrade: Enhanced, Hybrid, or Full Appraisal.
Sign Agreement
E-sign SEA + remote online notarization. All digital.
Tokenize & Borrow
Equity tokenized on Base. Collateral deposited. USDC to your bank.
Record Lien
After funding, junior lien recorded at the county via Simplifile.
Not All Equity Access Is Equal
Traditional lenders take weeks and demand perfect credit. Your home has real value — we look at your asset, not your paperwork. You choose what to verify.
Traditional HELOC
Weeks of paperwork, 40% denial rate
- Credit score 680+ required
- Income verification & W-2s
- 30-60 day approval process
- Denied for any blemish on credit history
- Variable interest rates (~8% APR)
- Monthly payments required
- Bank can freeze your line anytime
UnblockEquity Borrow
3 axes, your configuration
- Verified, Prime, or Standard — you choose
- Asset-based: your home qualifies you
- Same-day funding via DeFi
- Breathing Room catches up arrears automatically
- Interest accrues at ~4% APY variable — no fixed schedule
- Repay any amount, any time — no prepayment penalty
- Up to 75% LTV with foreclosure right
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.
Common Questions
Everything you need to know before accessing your equity.
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.
See the math: Actuarial Risk Model
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