Helping Homeowners Thrive
Mend is on a mission to give homeowners a better way to access their home equity, without the burden of monthly payments or the stress of traditional lending.
Unlocking equity without adding debt.
For too long, homeowners have had limited options when they need to access their home's value. Traditional loans add monthly payments and interest. Selling means leaving the home you love.
We created Mend to offer a different path. Our Home Equity Agreements let you tap into your equity. The capital provider's return is calculated using the Settlement Multiplier applied to your home's value at settlement. A Final Settlement Amount will be due at the end of the Investment Period or upon sale or refinance. The effective cost in high-appreciation markets may exceed a comparable HELOC or home equity loan. Repayment is deferred until you sell, refinance, or reach the end of term, giving you the financial flexibility you need while staying in your home.
We believe your home should work for you, not the other way around.
$158,000
Average estimate, 4,087 California homeowners since 2021
2 Minutes
To a preliminary estimate, no credit impact
Equity-Based
Approval process
What We Stand For
These principles guide everything we do at Mend.
Transparency First
We believe you should understand exactly what you're agreeing to. No hidden fees, no confusing terms, no surprises.
Aligned Interests
Our success depends on your home's success. We're invested in your property's future, just like you are.
Respect for Homeowners
You've worked hard for your home. We treat your equity, and your trust, with the respect it deserves.
Honest Guidance
An HEA isn't right for everyone. We'll tell you honestly if another option might be better for your situation.
Built for Homeowners
Mend was founded on a simple observation: homeowners deserve better options for accessing their equity. Traditional home equity loans and HELOCs work for some, but for many homeowners, adding monthly payments isn't the right solution.
Whether you're consolidating debt, funding home improvements, navigating a life transition, or simply need more financial flexibility, your home's equity should be an asset you can use, not a value locked away until you sell.
That's why we created a Home Equity Agreement program that puts homeowners first. By partnering with you and sharing in your home's future value, we align our interests with yours. When you do well, we do well.
Today, we're proud to serve homeowners across California, helping them unlock the potential of their homes while staying in the place they love.
Experienced Leadership
Our team combines deep expertise in real estate, finance, and technology to deliver a better experience for homeowners.
Dedicated to Your Success
From our underwriting team to our customer support specialists, everyone at Mend is focused on making your experience seamless and stress-free.
Get in TouchReady to Explore Your Options?
Get a free, no-obligation estimate to see how much equity you could access. It takes just a few minutes and won't affect your credit score.