Understand How UnblockEquity Works
We combine proven legal instruments -- junior liens recorded at the county -- with DeFi technology on the Base blockchain to unlock home equity for everyone. No credit check. No income verification. No monthly payments.
From Property to Protocol
Five integrated systems transform physical home equity into on-chain collateral you can borrow against.
Property Valuation
ATTOM AVM data provides institutional-grade automated valuations for any US property.
Legal Documentation
Shared Equity Agreement drafted, e-signed via DocuSign, and notarized via Notarize.com.
County Recording
Junior lien recorded at the county via Simplifile e-recording. Public record, fully enforceable.
Tokenization
Equity interest minted as an ERC-1155 token on Base blockchain, then wrapped to ERC-20 (beHOME).
DeFi Lending
beHOME tokens deposited as collateral in Morpho Blue. Borrow USDC instantly at up to 50% LTV.
How Borrowing Works
From your address to USDC in your wallet. Six steps, no bank involved, no credit check required.
Free Equity Check
Enter your address and get an instant ATTOM AVM valuation. See your estimated home value, available equity, and maximum borrowable amount -- all in under 60 seconds.
No credit check. No income verification. Just your address.
Submit Application
Provide property details, your financial situation, and your desired borrowing amount. Our system verifies ownership and checks for existing liens to determine your eligible equity.
Takes about 10 minutes to complete.
Pay Processing Fee
A one-time $499 fee covers valuation verification, document preparation, notarization, and county recording. No hidden fees, no ongoing costs.
Paid via Stripe. Fully refundable if we can't proceed.
Sign & Record
E-sign your Shared Equity Agreement via DocuSign. The document is remotely notarized through Notarize.com, then recorded as a junior lien at your county via Simplifile.
Entire process completed digitally. No in-person visits.
Token Minting
Your equity interest is tokenized as an ERC-1155 token on the Base blockchain (Coinbase L2). The token is then wrapped into an ERC-20 (beHOME) for compatibility with DeFi lending protocols.
On-chain representation of your county-recorded equity interest.
Borrow USDC
Deposit your beHOME tokens as collateral in a Morpho Blue vault. Borrow USDC instantly at up to 50% loan-to-value ratio. No monthly payments -- settle at sale, refinance, or term end.
Self-borrowing: you control both sides of the transaction.
How Buying Works
Invest in real Miami properties from just $1. Every block is backed by a county-recorded junior lien.
Browse Properties
Explore curated Miami properties with real MLS data, professional photos, floor plans, and ATTOM AVM valuations. Filter by neighborhood, price range, and property type.
Every property is backed by a county-recorded junior lien.
Choose Your Investment
Select specific properties you want exposure to and choose the number of equity blocks to purchase. Each block represents $1 of fractional equity interest in a real property.
Start from just $1. Diversify across multiple properties.
Purchase via Apple Pay
Complete your purchase through Stripe-powered checkout with Apple Pay, Google Pay, or card. Instant confirmation and immediate portfolio update.
PCI-compliant. Your payment details never touch our servers.
Track & Trade
Monitor your portfolio as property values change based on real MLS activity. Trade your blocks on our marketplace, or hold for long-term appreciation.
Real-time valuations powered by live MLS data.
How Selling Works
List a portion of your home equity and get funded by investors. Keep your title, your mortgage, and your homestead protections.
Free Valuation
Get an instant ATTOM AVM valuation of your property. See your total equity, existing liens, and the maximum amount you can list for sale.
No obligation. Check your equity anytime.
List Your Equity
Choose how much equity to make available -- up to 20% of your home's value. Set your terms and let investors discover your listing on our marketplace.
You keep your title, your mortgage, and your home.
Legal Documentation
Sign a Shared Equity Agreement that defines the equity interest, rights, and obligations for both you and investors. Pay processing and county recording fees.
Legally binding. Drafted by real estate attorneys.
County Recording
A voluntary junior lien is recorded at your county recorder's office. This creates a public record that protects both you and your investors.
Same instrument used by Point, Hometap, and Unlock.
Receive Funds
Get paid as investors purchase your equity blocks on the marketplace. Funds are deposited directly to your account as blocks are sold.
No lump sum risk. Gradual, controlled liquidity.
Built on Proven Legal Instruments
No experimental structures. We use the same legal framework that has deployed billions in home equity investments.
What is a junior lien?
A junior lien is a subordinate claim on a property, recorded at the county recorder's office. It sits behind the primary mortgage in priority. If the property is sold, the primary mortgage is paid first, then the junior lien. This is the same legal instrument used by major home equity companies like Point, Hometap, and Unlock.
What is a Shared Equity Agreement?
A Shared Equity Agreement (SEA) is a legal contract that defines the equity interest being shared, the rights and obligations of each party, settlement terms, and the conditions under which the agreement terminates. It is signed by the homeowner, notarized, and recorded alongside the junior lien.
Why not use an LLC?
In Florida, transferring your property into an LLC destroys critical homestead protections: the $50,000+ property tax exemption, the Save Our Homes 3% assessment cap, and creditor protection. Our junior lien model preserves all of these because you never transfer title -- you remain the homeowner.
Is this legal under federal law?
Yes. The Garn-St. Germain Depository Institutions Act of 1982 explicitly permits junior liens without triggering the due-on-sale clause in your primary mortgage. This means your existing mortgage is unaffected when a junior lien is recorded against your property.
Federal Law Protects Your Mortgage
The Garn-St. Germain Act (1982) explicitly exempts junior liens from due-on-sale clauses. This means recording a junior lien on your property cannot trigger your primary mortgage lender to call your loan. Your existing mortgage terms remain completely unchanged.
Verified at Every Layer
From county records to blockchain consensus, every component of our stack is built on trusted, audited infrastructure.
County-Recorded Liens
Every equity interest is backed by a junior lien recorded at the county recorder's office. Public record, legally enforceable.
ATTOM AVM Valuations
Institutional-grade automated valuations used by banks, insurers, and government agencies nationwide.
Base Blockchain
Coinbase's Layer 2 network. Low fees, fast settlement, and audited smart contracts for token operations.
Morpho Blue Protocol
Battle-tested DeFi lending protocol with over $1B in total value locked. Permissionless and audited.
Stripe Payments
PCI Level 1 compliant payment processing. Your financial data never touches our servers.
DocuSign + Notarize
Industry-standard e-signatures and remote online notarization. Legally binding in all 50 states.
Ready to Get Started?
Choose the path that fits your needs. Whether you want to borrow against your equity, invest in properties, or sell a portion of your home value.