How It Works
From first call to closing day
A clear, straightforward path to homeownership. No surprises, no hidden steps. Just math, paperwork, and the keys to your new home.
The Four Pillars
Real ownership. Real equity. Real homeownership.
Deed at Closing
Every CoOwner receives a recorded general warranty deed at the closing table. From day one, you are legally a homeowner with an ownership interest recorded in the county records. Your name is on the deed — not a landlord's.
Build Equity Monthly
Monthly payments build real equity in a real asset. Unlike rent, every payment grows your net worth and moves you closer to full ownership. Over five years, a CoOwner accumulates tens of thousands in equity while a renter accumulates zero.
Community by Choice
CoOwners share a home because they chose to, not because they have to. Shared expenses mean lower monthly costs. You pick your co-owners — friends, siblings, colleagues. You meet everyone before any paperwork is signed.
Path to Independence
As equity builds, CoOwners can refinance into their own mortgage, sell their interest at market value, or continue building wealth inside the program. The Co-Ownership Agreement ensures a clear path forward.
What You Actually Own
Your ownership interest. Recorded at the county.
You own an undivided interest in the home as a tenant in common (1/3 or 1/4 depending on the number of owners). You receive a recorded deed at closing showing your ownership interest. Your name appears right on it along with the other owners. This is not renting. This is not a rent-to-own program. This is real homeownership.
- Recorded general warranty deed in your name
- Undivided interest as tenant in common (1/3 or 1/4)
- Your own private bedroom in the home
- Equity that grows with every monthly payment
- Right to sell your interest at market value
Monthly Payment
Starting at $785*
Covers principal, interest, taxes, insurance, and reserve fund contribution.
*Varies by home price and location
Reserve Fund
Every owner contributes a small amount each month into a shared reserve held in escrow. This covers repairs, maintenance, and surprise expenses so no single owner gets hit with a big bill out of nowhere.
Co-Ownership Agreement
Every deal includes a Co-Ownership Agreement that spells out how decisions get made, how disputes are handled, and what happens if someone wants to leave. Every buyer walks through this document before signing.
Real Homes
Real homes in real neighborhoods
Three-bedroom single-family homes in safe, established neighborhoods. These are real houses on real streets — not apartment buildings, not group homes. Most buyers are surprised at how nice they are.
Every buyer tours the home, meets the other prospective owners, and reviews the paperwork before anything is signed. You see exactly what you're buying.
4 to 8 weeks from first call to closing
WEEK 1
Pre-qualification & discovery call
WEEK 2–3
Home matching & co-owner introductions
WEEK 3–5
Home tour, paperwork review, agreement signing
WEEK 4–8
Closing day — deed in your name
The math works. Let's see if you qualify.
No cost to apply. No obligation. No minimum credit score.