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.

Fraction on a throne
scissor cutting credit card

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
Arrow Icon

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
Arrow Icon

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%
maximum rate
handle arrows pointing up and down
minimum rate
Interest rate is 0.24%
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Total Projects (0)
Total Fee
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

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.


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.

Wallet Icon

Out of pocket expenses

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

Fee Icon

Refinancing fees

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

Credit Score Icon

FICO and LTV expectations

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

5-10 Year Icon

Shorter terms

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

Full Loan Icon

Paying Fraction back

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
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Home equity line of credit
No monthly payments
No monthly payments
green checkmark in white circle
grey checkmark
Stay in your home
Stay in your home
green checkmark in white circle
grey checkmark
Qualify at any age
Qualify at any age
green checkmark in white circle
grey checkmark
No early buyout penalties
No early buyout penalties
green checkmark in white circle
grey checkmark
Interested in a pricing comparison between all these options?
Visit the cost page

Interested in learning more?

computer monitor

Our Blog

laptop, pen, and contract

Fraction Basics

two speech bubbles Q&A

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.