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Why homeowners choose Fraction

Tackle monthly payments
Reduce how much you spend on paying back debt by up to 50% by eliminating monthly payments.*

Live payment free
Tap into your home equity to reduce your existing monthly mortgage payments.

Diversify your income
Use your home equity to invest, purchase an investment property, or even fund a new business venture.

Purchase a second home
Let your home equity fund a second or vacation home, or even help your children pay for their first home.

Retirement, on your terms
Create a steady income stream, age in place, or even renovate or upgrade an existing home.
...and why they stay with Fraction



Our process
Our platform makes it easy to achieve your financial goals. 100% online or over the phone.
01
Prequalify
In just 5 minutes, get an estimate of how much equity you can unlock. It’s completely free and won’t affect your credit score*.

02
Approve
After a quick credit check and official appraisal of your home, we’ll send you an agreement for your review.

03
Receive funds
In as little as 10 days, you’ll have a percentage of your equity at your disposal. Spend it, save it, or invest it.

04
Check-in
Every 5 years, we'll refinance your agreement contingent on specific considerations* or you can buy us out at no additional cost, at any time.

Want a full breakdown of our process?
We’re making a lot of people happy
Find out how much you can get with Fraction

What’s your estimated home value?
You can get up to $1,000,000 with a Fraction Mortgage.
- Optional monthly payments.
- No prepayment penalties.
- No age restrictions.
- Interest rate tied to home.
See if Fraction operates in your area
We’re growing rapidly across North America.
How we stack up against the rest
Learn how Fraction is different from existing home financing options.

Backed by top venture capitalists




