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Service Areas

We can place a Home Equity Agreement in 40 states and the District of Columbia. In 25 of those, more than one originator is active — which means more than one set of terms to compare.

Mend is a broker. We match you to a capital provider licensed to originate in your state; we do not lend. Barastone, which sponsors Mend, writes its own agreements in California.

Check My Eligibility

Where We Can Place an Agreement

Shaded by how many of our 4 active originators serve each state. Darker means more competing offers to put in front of you. We do not name the originators here — you see them, with their terms, once you have an estimate.

  • 4 originators
  • 3 originators
  • 2 originators
  • 1 originator
  • No active originator

4 originators· 1 place

California

3 originators· 14 places

Arizona · Florida · Indiana · Kentucky · Michigan · Missouri · Nevada · New Jersey · Ohio · South Carolina · Tennessee · Utah · Virginia · Wisconsin

2 originators· 10 places

District of Columbia · Hawaii · Kansas · Minnesota · Nebraska · New Mexico · New York · North Carolina · Oregon · Pennsylvania

1 originator· 16 places

Alabama · Colorado · Connecticut · Delaware · Georgia · Idaho · Illinois · Iowa · Maryland · Mississippi · Montana · New Hampshire · Rhode Island · Vermont · Washington · Wyoming

California

California is the one state where Barastone writes its own agreements, under its own California real estate license — and it is also the deepest market on the map, with all 4 originators active.

We serve metro and suburban addresses statewide, and many rural ones. The eligibility check works off your specific address rather than a list of cities.

Metros we see the most volume in

  • Los Angeles
  • San Francisco
  • San Diego
  • Sacramento
  • San Jose

Not a service-area boundary. Enter your address to see whether your property qualifies.

Coming Soon

Barastone is opening its own lending in Arizona. These are already covered through brokered originators, so this adds another set of terms to compare rather than a new service area.

Arizona3 → 4 originators

Get Notified

Your state showing grey on the map above? No originator we work with writes there yet. Leave your email and we will tell you when one does.

Why Location Matters

Home Equity Agreements are tied to real estate markets, so we carefully evaluate each market before offering HEAs there. Here's what we consider:

  • Market StabilityAreas with stable, predictable real estate markets
  • Regulatory EnvironmentStates with clear regulations for HEA products
  • Home ValuesMarkets with sufficient home values and equity
  • Service InfrastructureAccess to qualified appraisers and title companies

Our Expansion Plans

We're committed to making Home Equity Agreements available to more homeowners across the country. Our expansion is thoughtful and deliberate to ensure we can provide excellent service in every market we enter.

41
Places Covered40 states and the District of Columbia
25
With a Choice of OriginatorTwo or more active, so terms can be compared
1
Launch In ProgressBarastone's own lending, adding depth

Check If We Serve Your Area

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Check My Address

Mend matches homeowners with capital providers; we are not the originator. A shaded state means at least one provider we work with is currently originating Home Equity Agreements there, under that provider's own licenses — the originator is the licensed party and the named counterparty on your agreement. Where Barastone is itself the originator, that is California, under its California real estate license — see our licensing disclosures. Originator availability is set by those providers and can change at any time, without notice to us. Shading reflects availability as of 2026-10-05 and counts originators, not offers: being in a covered state does not guarantee an offer or approval, which depends on your property address, type, condition, equity, and other factors. A launch described as in progress is an intention, not a commitment to a timeline.