Not all loans are created equally

We’ve taken the steps to create a financial tool that not only helps you achieve your goals, but one that respects the time and effort you’ve put into your home throughout the years.

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No monthly payments

We've built the Fraction Mortgage with no monthly payments, no hidden fees, and removed all of the confusing financial jargon to help you find the right financial solution to meet your needs.

Eliminate monthly payments with a Fraction Mortgage and open up a whole world of possibilities.

Compare to other options
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Access to fairer financial solutions

We keep things simple and fair for homeowners. Other home loan interest rates are either fixed or based on a central bank’s prime rate.

Fraction's interest rates are variable and based on your home's appreciation, with a fair minimum and maximum cap.

See how much it costs
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A look at our variable interest rates

At the end of your term, we calculate your interest rate based on the change in value of your home.

Move the slider up and down to see how your home appreciation is tied to your interest rate.
Home appreciation at 5.00%
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minimum rate
Interest rate is 0.24%
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Minimum

A guaranteed minimum rate

No matter your income or credit score, every Fraction customer qualifies for our minimum rate.

Average Rate

Rates that protect your equity

Your interest rate will match your home’s appreciation rate if the appreciation rate is higher than our minimum rate and below our maximum rate.

Maximum Rate

A capped maximum rate

For high growth homes, we've capped our maximum interest rate.

To see our current rates, visit our rates page.

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Quick & easy

Fraction has reimagined how mortgage lending works from the ground up. Our first-of-its-kind financial platform completely digitizes the mortgage application process, helping you access funds quicker with no monthly payments.

And we’ve made it easy. Prefer to speak to a human rather than apply online? We’re with you every step of the way.

So, what’s the catch?

There are upsides and downsides to every loan, no matter how ideal the benefits are.
Here’s what you should know about the Fraction Mortgage.

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You have to pay an origination fee (included in your loan) and out of pocket costs, such as an inspection and appraisal.

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If you choose to refinance with Fraction, you will be subject to a 1% refinancing fee.

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Primary applicants must have a minimum FICO score of 640 and specific maximum loan-to-value (LTV) to qualify for a 5 year term.

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Fraction only offers a 5 year term (which can be renewed) vs. other providers who offer up to 30 years.

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If you’re exiting or ending your term early, you must pay your entire lump sum amount back in full. We don’t accept partial payments.

Have questions? We can help.
Contact us

How we stack up against the rest

Learn how Fraction is different from existing home financing options.

Compare Fraction to
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Home equity line of credit
No monthly payments
No monthly payments
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Stay in your home
Stay in your home
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Qualify at any age
Qualify at any age
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No early buyout penalties
No early buyout penalties
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Interested in a pricing comparison between all these options?
Visit the cost page

Interested in learning more?

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Our Blog

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Fraction Basics

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The FAQ's

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.