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 loans can be confusing and full of jargon.

Fraction's terms are clear and simple, and we will walk you through the whole process to make sure you understand everything before you sign.

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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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Out of pocket expenses

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

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A growing balance

Unlike most mortgage products which get paid off over time with monthly payments, Fraction's loan grows over time. This means you end up owing more at the end of term than at the start.

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FICO and LTV expectations

Primary applicants must have a minimum FICO score of 660 and specific maximum loan-to-value (LTV) to qualify for a {{term_length}} year term.

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{{term_length}} year terms only

Fraction only offers a {{term_length}} year terms for your mortgage, although you can pay out whenever you want without penalties.

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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
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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 prepayment 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 no monthly payments Fraction Mortgage is free and fast. We’re talking 5 minutes, with no impact on your credit score.