Your Home Equity, Unblocked
Three choices. One personalized offer. You choose your verification level, escrow period, and recovery right. Each choice adjusts your rate, LTV, and cost. The more you prove, the less you pay.
Five Cards. One Story.
Each card represents a step in your equity unlock. Scroll to follow the transformation from trapped equity to liquid cash.
Step 1
Start with what you have
Your home is worth $1.1M and you have ~$500K in equity. Traditional lenders take months and demand perfect credit to access it. We changed that.
Your home is worth $1,145,719 with $645,965 remaining on your mortgage.
Step 1
Start with what you have
Your home is worth $1.1M and you have ~$500K in equity. Traditional lenders take months and demand perfect credit to access it. We changed that.
Your home is worth $1,145,719 with $645,965 remaining on your mortgage.
Step 2
See what’s available
After accounting for Breathing Room escrow and origination fees, ~$275K is available to borrow. Asset-based lending. Your home’s value is what matters.
After Breathing Room escrow and fees, $275,000 is available to borrow.
After Breathing Room escrow and fees, $275,000 is available to borrow.
Step 2
See what’s available
After accounting for Breathing Room escrow and origination fees, ~$275K is available to borrow. Asset-based lending. Your home’s value is what matters.
Step 3
Tokenize on-chain
Your equity agreement is secured as on-chain collateral on Base L2. Tokenized representation of your signed SEA. The collateral unlocks DeFi borrowing — no bank needed.
$275,000 of equity tokenized on Base L2 as beHOME (ERC-20). Backed 1:1 by your signed Shared Equity Agreement.
Step 3
Tokenize on-chain
Your equity agreement is secured as on-chain collateral on Base L2. Tokenized representation of your signed SEA. The collateral unlocks DeFi borrowing — no bank needed.
$275,000 of equity tokenized on Base L2 as beHOME (ERC-20). Backed 1:1 by your signed Shared Equity Agreement.
Step 4
Your equity, working for you
Breathing Room holds 12 months of mortgage payments in smart contract escrow. Monthly releases keep you current while you get back on track. Payment relief, built in.
$76,800 held in Chainlink-automated escrow — 12 months of mortgage payments, released monthly.
$76,800 held in Chainlink-automated escrow — 12 months of mortgage payments, released monthly.
Step 4
Your equity, working for you
Breathing Room holds 12 months of mortgage payments in smart contract escrow. Monthly releases keep you current while you get back on track. Payment relief, built in.
Step 5
Cash in your account
~$167K USDC delivered to you via DeFi lending. No fixed payment schedule. Interest accrues at a variable DeFi rate (~4% APY) — repay on your own terms. Convert to dollars and deposit to your bank account.
$166,644 USDC borrowed from DeFi lending at a 2.1x health factor. Convert to USD and deposit to your bank.
Step 5
Cash in your account
~$167K USDC delivered to you via DeFi lending. No fixed payment schedule. Interest accrues at a variable DeFi rate (~4% APY) — repay on your own terms. Convert to dollars and deposit to your bank account.
$166,644 USDC borrowed from DeFi lending at a 2.1x health factor. Convert to USD and deposit to your bank.
Three Choices, One Offer
Eight steps, no bank involved, settled on-chain. You make 3 decisions — verification, escrow, and recovery right — and we calculate the rest.
Enter Your Property Details
Enter your address and get an instant ATTOM AVM valuation. See home value, existing mortgage, available equity, and max borrowable amount.
Asset-based. Your home qualifies you.
Choose Verification Level
AXIS 1Verified (full underwriting, 0.75% origination), Prime (soft pull, 1.0%), or Standard (no credit check, 1.5%). The more you prove, the less you pay.
Verified: PD 2.5% | Prime: PD 4.0% | Standard: PD 17%
Choose Breathing Room
AXIS 2Select 3, 6, or 12 months of escrowed mortgage payments. If you're behind on payments, Breathing Room is mandatory — it catches you up and builds clean payment history.
BR3: 35% cure | BR6: 50% cure | BR12: 70% cure
Choose Recovery Right
AXIS 3Lien-only (passive, 62.5% max LTV) or foreclosure right (active recovery, up to 75% LTV). Granting foreclosure rights unlocks more capital because it dramatically reduces the depositor's LGD.
Lien-only LGD: 41.4% | Foreclosure LGD: 20.3-25.6%
Choose Your Borrow Amount
Use a slider to set how much you want to borrow — you're never forced to max out. Your 3 axis choices plus your borrow amount combine into a unique risk profile with transparent fees and total cash available. At most borrow levels, your home's natural appreciation covers the interest, making positions self-sustaining.
Lower borrow = safer position. Most combos need under 1-2% HPI to break even.
Sign SEA + File Lien
DocuSign e-sign + Notarize.com remote online notarization. The voluntary junior lien is recorded at the county via Simplifile e-recording. All digital, all legal.
Garn-St. Germain Act protects your primary mortgage.
Tokens Minted + Deposited
beHOME tokens (ERC-20) are minted on Base L2, representing your equity agreement. Tokens are deposited into the matching Morpho vault as collateral.
Collateral only. Not transferable. No secondary market (Phase 1).
USDC Borrowed + Disbursed
USDC is borrowed from the Morpho vault on your behalf. Breathing Room escrow is funded first, then remaining cash is converted to dollars and deposited to your bank.
We handle the blockchain. You get the cash.
The Bridge to HELOC
Breathing Room is a stepping stone, not a destination
Here's what banks don't tell you: the #1 reason for HELOC denial is late payments in the last 12 months. Breathing Room fixes this directly. The escrow catches up your arrears, then makes on-time payments for 3-12 months. When the escrow period ends, you have a clean payment history.
Graduate from UnblockEquity to a traditional HELOC at lower rates. Repay us, release the lien, and you're free. We're the bridge — not the destination.
The More You Prove, The Less You Pay
Mix and match across 3 axes. Every product is backed by Tokenized Lien Collateral — same legal structure, different terms for different situations.
Verified
Full underwriting. Best rate.
Credit, income, employment verified
Prime
Soft pull. Great rates.
Soft credit pull verified
Standard
Fastest path to cash.
No credit check required
BR3 (3-Month Escrow)
Short runway. Fast access.
3 months of escrowed payments
BR6 (6-Month Escrow)
Balanced protection.
6 months of escrowed payments
BR12 (12-Month Escrow)
Maximum runway. Best BR rate.
12 months of escrowed payments
How Combinations Work
Pick one from each axis. A Verified + BR12 + Foreclosure borrower gets 75% LTV at 0.75% + 2.0% origination, with an effective PD of just 0.75%. A Standard + Naked + Lien-only borrower pays 1.5% origination at 62.5% LTV with 17% PD — the highest cost, but still no credit check required.
See the full 24-combo EL matrixVerified at Every Layer
From county records to blockchain consensus, every component is built on trusted, transparent infrastructure.
County-Recorded Junior Lien
Your lien is filed at the county recorder’s office as public record. E-signed via DocuSign, notarized via Notarize.com, recorded via Simplifile. Garn-St. Germain Act protects your primary mortgage.
ATTOM AVM + Optional Upgrades
Every borrower gets a free ATTOM AVM (institutional-grade). Optional: HouseCanary Enhanced ($49), Hybrid Inspection ($149), or Full Licensed Appraisal ($399).
Base L2 + DeFi Lending
Coinbase’s Base L2 for low-cost token operations. Battle-tested DeFi lending protocol (independently audited, billions in TVL). Our contracts are open-source and verified on Basescan.
Why Not 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. The Garn-St. Germain Act (1982) explicitly permits junior liens without triggering the due-on-sale clause.
Ready to Get Started?
Check your equity in 30 seconds. Choose your verification level, escrow period, and recovery right. See your personalized terms instantly.
The more you prove, the less you pay. But you never HAVE to prove anything.
Want the math? See the full 3-axis actuarial model