Lucy Arruda

As a Business Development Manager at Fraction, I help Mortgage Brokers and other business partners improve their client’s cash flow and financial flexibility with an innovative mortgage solution; our unique fraction Mortgage. This product allows clients to pause their mortgage payments for up to five years without penalties, providing an effective way to manage cash flow while reducing financial stress. With no age restrictions, homeowners can access up to 49% of the equity in their home, putting payments on hold without compromising their ownership or future plans. We’re not only helping homeowners achieve their goals but also supporting mortgage professionals by offering a flexible solution tailored to modern needs. Connect with me to explore how Fraction’s solutions can enhance your clients’ financial well-being.

Clients going through a separation or divorce know it is never easy and it can be a very a stressful situation, especially when a home is involved and the party who’s keeping the home. For many separating couples, this involves taking the advantage of the Spousal Buy-Out Program. This program allows one spouse to “purchase” the matrimonial home from the other spouse and other spouse’s name is removed from the house title. The program allows up to 95% of the house to be financed unlike the regular bank programs which only allow 80% to be refinanced. If they own at least 50% of their home, a Fraction mortgage allows them to pause payments and hit the “reset button” before making decisions that will affect their new life.