Transparent Pricing. No Hidden Fees.
Three axes — verification, escrow, LTV — one system, transparent pricing.
Verified
Full traditional underwriting — credit, income, employment. Best rates in the system.
Best for: Full underwriting: credit pull, income, employment, DTI
Prime
Soft pull. Great rates.
Best for: Soft credit pull: credit score + payment history
Standard
Equity access with no payment relief
Best for: Good payment history, just need cash
Breathing Room 3
3 months of mortgage payment relief
Best for: Recent late payment, need quick relief
Breathing Room 6
6 months of mortgage payment relief
Best for: Need time to rebuild payment history
Breathing Room 12
12 months of mortgage payment relief
Best for: Full year to qualify for traditional HELOC
Complete Fee Comparison
Based on $300K in home equity. Borrowable amount varies by tier (LTV). All fees are identical regardless of borrow amount except origination (%) and servicing (%).
Instant ATTOM AVM valuation
One-time at application
Deducted from USDC disbursement
Document prep, verification & compliance
Notarization + county e-recording
Monitoring, re-valuations, compliance
incl. origination + servicing
Verified
Best RatePrime
Standard
Breathing Room 3
Breathing Room 6
Breathing Room 12
Best ValueBased on $300K home equity. Borrowable amount varies by tier LTV. Processing ($499) and lien recording ($349) are the same across all tiers.
Start Free. Pay as You Go.
Instant valuation, no commitment
When you submit your application (free on Verified tier)
Document prep & compliance review
Notarization + county e-recording
Deducted from your USDC — never out-of-pocket
Your biggest cost — the origination fee — is deducted from your disbursement, not charged upfront. Total out-of-pocket before receiving cash: as low as $848 (Verified tier: processing + recording only). Origination is deducted from your disbursement.
How We Compare
See how UnblockEquity stacks up against traditional options for accessing your home equity.
Everything Included
Every fee goes toward real services. Here is exactly what you get.
ATTOM AVM Valuation
Instant automated property valuation backed by county assessor and MLS data
Document Preparation
Shared Equity Agreement, disclosures, and all legal documents drafted for you
DocuSign E-Signature
Sign your agreement electronically from any device, anywhere
Remote Notarization
Notarize.com live video session with a commissioned notary
County E-Recording
Simplifile electronic filing of the junior lien with your county recorder
Collateral Setup
Your lien position secured on Base L2 as transparent, on-chain collateral
DeFi Lending Market Setup
Dedicated lending market created to borrow USDC against your lien collateral
Ongoing Monitoring
Continuous position health tracking, valuation updates, and compliance checks
No hidden fees. No surprises.
The fees listed on this page are the complete cost. There are no prepayment penalties, no closing cost surprises, no points, and no fixed monthly payment schedule — interest accrues and is settled on repayment. The only recurring fee is the 0.15%–0.7% annual servicing fee (varies by tier).
Interest accrues at ~4% APY. Most positions are self-sustaining.
Interest accrues continuously via Morpho at a variable DeFi rate (~4% APY) and is settled when you repay. At Florida’s historical 3–5% annual home appreciation, your equity typically grows faster than interest accrues — meaning your position improves over time without any action on your part. Borrow only what you need for the safest position.
More Ways to Access Equity
Buy Lien Tokens
Phase 2Invest in tokenized lien collateral starting from $1. Earn yield from borrowing interest.
Join WaitlistSell Lien Tokens
Phase 2List a portion of your home lien tokens for investors. Secondary marketplace with price discovery.
Join WaitlistPricing Questions
Ready to Get Started?
Check your equity for free in seconds. No credit check, no commitment, no strings attached.