Fraction began with a simple idea...

Could there be a fairer way to help people access the equity in their homes?

Coming from a technology background, our team approached the problem differently than the financial veterans who dominate the industry. We looked at the problem through your perspective.

We threw out the rulebook and wrote a new one.

  • We lifted barriers to access, and did away with penalties.
  • We reimagined the application process to be more like a partnership, and less like a transaction.
  • Finally, we put you and your home in the driver seat because like everyone else, your situation is unique.

Fraction by the numbers

USD $250m

raised in funding from top VC investors across the globe

up to 50%

decrease in the average debt-to-income of homeowners

+30 point

increase in the average FICO score of homeowners

Our core values

To make meaningful change, you need a solid foundation. Here is what Fraction operates on:

Exceedingly Empathetic

We treat our customers and each other with the highest level of empathy and respect.

Fantastically Fearless

We are a team that is deliberate in what we do, but we aren’t afraid of taking initiative.

Clearly
Concise

Be clear and upfront.

Radically Resourceful

We figure things out quickly, and we retain the scrappy mindset of achieving a lot with a little.

Inherently Innovative

We strive to find original solutions and are unconstrained by the way things are currently done.

Want to be part of a culture that cares?

View our careers

Meet the team

The people that are helping bring fairer finance to all.

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Maryann Cafagna
Maryann Cafagna
Loan Consultant
Sales
Glenda Neill
Glenda Neill
Mortgage Advisor
Sales
Jacob Rissman
Jacob Rissman
Director, US Sales
Sales
Vincent Pace
Vincent Pace
Loan Consultant
Sales
Emily O'Leary
Emily O'Leary
Manager, Analytics
Analytics
Lauren Falls
Lauren Falls
Director, Capital Markets
Finance
Hayden James
Hayden James
Co-founder & CEO
Founders
Anita Chauhan
Anita Chauhan
Director, Marketing
Marketing
Louis
Louis
Director of Furst Impressions
Furst impressions
Saki Murachi
Saki Murachi
Manager, Canadian Ops
Operations
Behrouz Salehipour
Behrouz Salehipour
Senior Product Designer
Design
Thomas Griffiths
Thomas Griffiths
Product Designer
Design
Michael Thiesen
Michael Thiesen
Senior Software Engineer
Engineering
Hobbs
Hobbs
Manager of Barketing
Furst impressions
Olivia Tsang
Olivia Tsang
Director, Growth Marketing
Marketing
Bilal Syed
Bilal Syed
Analyst, Sales Ops
Analytics
Josh Baker
Josh Baker
Co-founder & CTO
Founders
Benjamin Brown
Benjamin Brown
Lead Mortgage Specialist
Operations
Ryan Brett-Williams
Ryan Brett-Williams
Articling Student
Operations
Luna
Luna
Lead Software Barkitect
Furst impressions
Tracie Pang
Tracie Pang
Manager, Digital Marketing
Marketing
Rayan Rafay
Rayan Rafay
Co-founder & CFO/COO
Founders
Sophia Kokileff
Sophia Kokileff
Senior Accountant
Finance
Taylor Newman-Craigmill
Taylor Newman-Craigmill
Graphic Designer
Design
Turner Schumann
Turner Schumann
Software Engineer
Engineering
Daniella Russo
Daniella Russo
Manager, Strategic Partnerships
Marketing
Hamid Rizvi
Hamid Rizvi
Director, Strategy
Finance
Alexandr Duschin
Alexandr Duschin
Software Engineer
Engineering
Ish Casas
Ish Casas
Manager, US Ops
Operations
Zach Guitor
Zach Guitor
Manager, Content Marketing
Marketing
Beau Rothrock
Beau Rothrock
Senior Data Engineer
Engineering
Brittany Dzoan
Brittany Dzoan
Associate, Legal Ops
Operations
Robert Britton
Robert Britton
Business Development Manager
Sales
Frederic Brandt
Frederic Brandt
Software Engineer
Engineering
Kelly Chan
Kelly Chan
Bookkeeper
Finance
Robert Mogensen
Robert Mogensen
Chief Mortgage Officer, Designated Individual, BC
Operations
Michael Keenan
Michael Keenan
Counsel, Real Estate
Operations
Adeel Khan
Adeel Khan
Junior Analyst, Capital Markets
Finance
Darin Tse
Darin Tse
Junior Analyst, Capital Markets
Finance
Daniel Beament
Daniel Beament
Mortgage Specialist
Operations
Alexandra Cook
Alexandra Cook
Associate, Capital Markets
Finance
Bill Feaver
Bill Feaver
Director, Canada Sales
Sales
Kin Dutta
Kin Dutta
Mortgage Advisor
Sales
Larry White
Larry White
Business Development Manager
Sales

We’re supported in our vision

Fraction has raised more than USD$250 million from international investors in Europe, the US, and Canada. Our world-class investors share our vision to change how homeownership works.

Interested in learning more?

Check out our newsroom for more Fraction happenings.

Visit newsroom
newspaper and coffee

Newsroom

Ready to tap into your home equity?

Applying for a Fraction Mortgage is free and fast. We’re talking 5 minutes, with no impact on your credit score.