← Embedded Finance Index 2026

NFTYDoor

“Can a clean-sheet digital HELOC origination engine deliver same-day home equity access at scale for 400+ lenders and 36,000 mortgage loan officers?”

Founded2022
HQMcLean, Virginia, United States
FoundersJonathan Spinetto (COO & Co-founder)
Total raised$20K (disclosed; likely seed + grant only)
Latest roundGrant (2022-11-29)
IndustryFintech / Lending
The story

Founded in 2022 as an independent fintech promising a 'one-minute mortgage' for HELOCs, NFTYDoor built a clean-sheet digital origination platform covering underwriting, title, closing, and instant funding. In mid-2023, Homebridge Financial Services acquired the company, pivoting NFTYDoor from a standalone lender into the core AI-driven technology infrastructure powering Homebridge's 30,000+ loan officer network. The embedded finance angle centers on Modern Treasury-powered instant payment disbursement, enabling same-day funding directly to borrowers — a key competitive differentiator in the traditionally slow HELOC market.

Last 12 months
2026-01
2025-07
Product timeline
2022
NFTYDoor LLC founded in McLean, VA as a digital HELOC origination platform targeting the U.S. home equity market.· lending
2022
Raised seed funding and a Virginia Innovation grant to build out the digital HELOC platform.· lending
2023
Acquired by Homebridge Financial Services, becoming an operating subsidiary; acquisition accelerated AI-driven mortgage platform integration.· acquisition
2025
Homebridge CEO Peter Norden publicly reaffirmed full integration of NFTYDoor's AI platform, with 30,000+ MLOs using the system.· pivot
2026
The Clearing House published case study on NFTYDoor's use of instant payments (RTP) for same-day HELOC fund disbursement via Modern Treasury.· banking
The stack
3 layers disclosed in NFTYDoor’s embedded-finance stack
Money movement
RTP
Ledger
in the full report
Lending
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.