Removing the Barriers to Affordable Homeownership
Learn MoreBecome a Homeowner Without Draining Your Savings
Learn MoreSavings to Invest in Your Future
Learn MoreHomeDividendsm is a new kind of mortgage guarantee company designed to make homeownership more accessible and more efficient for responsible borrowers.
Learn more about our strategy and how we can help you
The Problem We're Solving
Buying a home has become harder for responsible people who don’t fit a traditional mold. Large down payments, rigid credit rules, and fear of taking on a mortgage without a safety net keep many renters on the sidelines—even when they could comfortably afford a payment.
HomeDividendsm adds a smarter guarantee to your mortgage so you can qualify with less cash down, a more complete view of your true creditworthiness, and a partner whose incentives are aligned with your success.
How HomeDividendsm Helps You
Lower Upfront Cash
Put as little as 0% down in many cases instead of 20%, so you don’t have to empty your savings just to get the keys.
Stronger Approval Odds
Our guarantee helps lenders say “yes” to responsible buyers, including credit-invisible and thin-file borrowers.
Aligned With Your Success
You own the home and keep most of the upside. HomeDividendsm only shares in appreciation if your home increases in value.
READ MOREGET STARTED
Ready to Explore Your Options?
Whether you’re a first-time buyer, a self-employed earner, or a financially savvy household that wants to keep more capital invested, HomeDividendsm can help you approach homeownership in a smarter way.
Start with a quick eligibility check and see if a HomeDividendsm-backed mortgage could work for you.
Is HomeDividendsm Right For You?
First-Time Buyers
You can afford the monthly payment but don’t have a 20% down payment or decades of credit history.
Credit-Invisible Renters
You pay rent and bills on time, but traditional credit scores don’t fully reflect your reliability..
Financially Savvy Buyers
You could put 20% down, but prefer to keep more of your cash invested or reserved for other goals.
Simple 3-Step Experience
REQUEST A CALL
We'll call you back
We're here to help. Let us know the best time to call you.
TALK TO A SPECIALIST
Let's Talk Homeownership!
If you’re self-employed, a freelancer, or a gig worker, the traditional underwriting box can be frustrating. Your income might be strong but irregular. HomeDividendsm helps partner lenders evaluate risk more thoughtfully, supported by our guarantee, so they can responsibly approve more borrowers like you!
1 Gateway Center - Suite 2600 - Newark, NJ 07102