How It Works
The full breakdown. No jargon. No fine print.
Here's exactly what happens when you Slice your mortgage — step by step, dollar by dollar.
Six simple steps
Enter your address
We look up your property and estimate your mortgage details. Takes about 15 seconds. No credit check, no commitment.
We use public property records to estimate your principal balance, rate, and remaining term.
See your personalized report
We show you exactly how much you could save — including your estimated interest savings and monthly surplus over time.
The report uses real amortization math based on your mortgage. No guessing.
Connect your mortgage (optional)
For a more accurate offer, connect through Plaid. We pull your real balance, rate, and payment. We never access your bank accounts.
Plaid uses bank-level encryption. We only see mortgage data — nothing else.
Investors fund your principal paydown
An investor pool pays down a chunk of your mortgage principal. This isn't a loan to you — they literally reduce what you owe.
The investor pool is diversified across multiple homes. Your slice is one piece of a larger pool.
Sign a personal contract
The contract is between you and the investor pool. It's personal — not tied to your property title. No lien, no second mortgage.
You can review the full contract before signing. Plain English, no legal tricks.
Save over time
Your payment stays exactly the same. But because your principal is lower, you're paying way less interest. Your share of the savings is reinvested toward your mortgage.
The longer you stay in your home, the more savings accumulate — realized when you sell, HELOC, or reach end of loan.
Let's talk numbers
A real example: $400k mortgage at 6.5% with 28 years remaining.
Without Slice
With Slice
What stays the same
You want to know what changes. Short version: almost nothing.
The important details
24-month minimum hold
You commit to staying in your home for at least 24 months. Sell or refinance early and you forfeit your surplus earnings — but keep all your equity. After 24 months, your earnings are fully vested.
When you sell
Investors get their initial principal amount back from the sale proceeds. You keep your accumulated earnings plus all your normal equity. Clean and straightforward.
No lien, ever
The contract is personal — between you and the investor pool. Your property title stays clean. No second mortgage, no encumbrances, no surprises.
Plain-English contract
Our contract is written in plain English. No legalese. You'll understand every word before you sign. Take as long as you want to review it.
FAQ
Ready to see what you could earn?
15 seconds. No credit check. No commitment.
Get Started