TITLE COMPANY PARTNERS
A Familiar Closing. A New Category.
You do what you already do — title search, lien recording, funds disbursement. We handle everything else. The crypto never touches your desk.
The crypto is invisible to you.
UnblockEquity uses blockchain technology behind the scenes to let homeowners borrow against their own equity. But by the time funds reach your trust account, they are US dollars via a standard wire transfer from Coinbase — a publicly traded, NASDAQ-listed company registered with FinCEN.
You never handle stablecoins, tokens, or wallets. Your role is exactly what it is for any junior lien closing: verify title, record the lien, disburse funds. The instrument is a voluntary junior lien — the same legal mechanism used by Point, Hometap, and Unlock to secure $3B+ in home equity agreements nationwide.
What You Handle
Four familiar responsibilities at closing. Nothing more.
Title Search & Verification
Standard title search to confirm clear, marketable title. Verify no encumbrances prevent recording a voluntary junior lien. The existing first mortgage remains in place.
Facilitate Document Execution
Coordinate execution of the Shared Equity Agreement (SEA) — our core legal instrument. Witness signatures and certify execution via DocuSign + Notarize.com.
Record the Junior Lien
Record the voluntary junior lien at the county clerk's office via Simplifile eRecording or walk-in. Standard county recording — identical to any HELOC or equity sharing agreement.
Disburse Funds at Closing
Receive USD wire from Coinbase Business (USDC already converted to dollars). Disburse net proceeds to the homeowner and cure any arrears to the mortgage servicer.
What You Don't Handle
Zero post-closing obligations. No crypto. No servicing.
No Ongoing Escrow Payments
Monthly Breathing Room payments are handled by our smart contract + Coinbase Business. Post-closing, you have zero ongoing responsibilities.
No Blockchain Operations
Token minting, DeFi protocol interactions, smart contracts — all handled by UnblockEquity. You never touch crypto, tokens, or wallets.
No Loan Servicing
UnblockEquity handles all post-closing servicing: payment monitoring, re-valuations, and borrower communications. Annual servicing fee is 0.5%.
How Money Moves
Two scenarios. In both, you handle closing only.
Standard No Breathing Room
Homeowner is current on their mortgage. Single lump-sum disbursement at closing.
Breathing Room™ 3 / 6 / 12 months escrow
Homeowner has late payments. Part of the equity cures arrears and covers future mortgage payments. The rest goes to the homeowner as cash.
Automated via Chainlink. Title company has no role here.
SEA vs. Traditional HELOC Closing
The Shared Equity Agreement is different from a mortgage — but the closing process is familiar.
The Digital Closing Flow
Application to funding in 2-4 weeks — vs. 30-60 days for a traditional HELOC.
E-Signature (DocuSign)
Homeowner receives and signs the SEA + disclosures electronically from any device.
Same day — fully remote
Remote Online Notarization
Live video session with a commissioned notary via Notarize.com. Identity verified via KBA + photo ID. eNotary seal applied.
15-30 minutes
County Recording (Simplifile)
Notarized documents submitted electronically to the county recorder. Recording number returned, triggering the next step.
1-5 business days
On-Chain Operations
UnblockEquity mints equity tokens, deposits as collateral, and borrows USDC. Fully automated — no title company involvement.
Minutes (automated)
Funds Disbursement
USDC converts to USD via Coinbase Business. USD wire arrives in your trust account. You disburse per the closing statement.
Same day
Your Standard Fees Apply
UnblockEquity does not cap or dictate your closing fees. Charge your standard rates. All fees are paid by the borrower.
No ongoing fees post-closing
Your role ends at closing. All post-closing activity — monthly escrow payments, loan monitoring, re-valuations, borrower communications — is handled by UnblockEquity. Typical total title company fees: $500 - $1,500 per closing.
Common Questions
No. By the time funds reach your trust account, they are US dollars via a standard wire transfer from Coinbase, a publicly traded, FinCEN-registered money services business. You never handle USDC, tokens, or interact with any blockchain. The digital asset layer is entirely behind the scenes.
Similar in structure, but not identical. The SEA creates a voluntary junior lien — the same legal mechanism used by Point, Hometap, Unlock, and other home equity access companies managing $3B+ in agreements. There is no promissory note and no fixed monthly payment obligation — interest accrues and is settled on repayment or at maturity. UnblockEquity handles all on-chain operations and delivers USDC to the homeowner.
No. A junior lien is not a transfer of title or a sale. The Garn-St. Germain Act of 1982 explicitly protects subordinate liens from triggering due-on-sale clauses. The first mortgage is completely unaffected.
No. Unlike LLC-based equity access models (which destroy the homestead exemption), our structure preserves all state homestead protections. In Florida, for example, this includes the $50,000 tax exemption, creditor protection, and the Save Our Homes 3% assessment cap. No ownership transfer occurs — the homeowner remains the sole owner. We are launching in Florida and expanding nationwide.
The Shared Equity Agreement (SEA), prepared by our attorney. A standard voluntary junior lien document for county recording. ATTOM AVM valuation report. Proof of homeownership (deed, mortgage statement). Wire instructions from Coinbase Business. For Breathing Room borrowers: a servicer payoff letter for arrears.
None. Your role ends at closing. All post-closing activity — monthly escrow payments (Breathing Room), loan monitoring, property re-valuations, borrower communications — is handled by UnblockEquity through automated smart contracts and Coinbase Business off-ramp.
Recording taxes and fees vary by state. In Florida, for example, documentary stamp tax ($0.35 per $100 of the secured amount) and the nonrecurring intangible tax ($2.00 per $1,000) apply to the junior lien at recording, just as they would for any second mortgage or HELOC. Standard county recording fees also apply ($10 first page, $8.50 each additional in Miami-Dade). On a $200,000 lien in FL: ~$700 in doc stamps + ~$400 intangible tax + ~$30 recording fee = ~$1,130 total. These costs are disclosed to the homeowner and collected at closing.
UnblockEquity targets 4.6 million US homeowners annually who have sufficient equity but are denied HELOCs. We are launching in Florida, starting in Miami-Dade County, and expanding nationwide. Early title company partners will have a first-mover advantage in this new category of closings.
Become a Partner
Early title company partners get first-mover advantage in a new category of closings. Starting in Florida, expanding nationwide.