The fairest way to access your home equity

Unlock up to $1.5M of your home equity while staying in the home you love.

Fair rates.* 100% optional payments. No age or income restrictions.

Fraction is a secure and flexible way to access your home equity.

Don't just take our word for it. See what others are saying about us on Trustpilot.
"I was thrilled to choose fraction for my mortgage it really solved a lot of life for me. The process was smooth and even though I had a mortgage broker, the folks at fraction were always there to talk to me and make sure I understood where we were at all parts through the transaction."
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by Jeff S.
"Fraction was the lender my mortgage specialist was most impressed with. They work remotely and are definitely easier to deal with than a bank. They simply don't have the restrictions that banks have. I highly recommend them to anyone looking to get equity out of their home."
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by Christine M.
"Fraction provided exactly the product I needed for my plans and lifestyle. My broker explained all the details really well and was always a call away for advice and to update information. The process was simple, and communication excellent."
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by Lawrence E.

Fraction's first-lien HELOC helps you unlock 50% of your home value and increases your cash flow  

Looking to diversify your home equity?

Tax-free cash can be used in any investment.

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Planning or already retired?

Fraction can help with a steady income stream.

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Need an avenue for debt relief?

Use Fraction as a way of tackling your debt.

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Why homeowners choose Fraction

Fraction is fair

We keep your interest rate low if the market is low, keeping more money in your pocket.

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Fraction is flexible

Optional monthly payments and you can sell whenever without penalty.

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Fraction is smart

We’re a stable solution for a changing housing market.

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Fraction is resilient

Spend less on interest, spend more time in the home you love.

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It's fast, easy, and transparent

That’s because our platform is easy to use and built by some really smart people. If you need a fast solution, we can help. But if you have a moment, please take all the time you need to compare your options.
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Fairness-based pricing

Fraction uses the Zillow Home Value Index for your ZIP code to track the value of your home over time. Enter your zip code below to compare your property growth to Fraction's rate for your area.

Interested in seeing what Fraction’s HELOC looks like for your home?

Get an estimate

Unlock more possibilities

Access up to 50% of your hard-earned equity in tax-free cash without selling your home. Our motto is “spend a little, invest a lot, and save some for a rainy day.”