About HomeDividendsm
Your Trusted Financial Partners
HomeDividendsm is a new kind of mortgage guarantee company designed to make homeownership more accessible and more efficient for responsible borrowers. Our mission is simple: remove unnecessary barriers to affordable homeownership without compromising on safety.
Why We Started HomeDividendsm
The mortgage system was built for a different era—one where most people had long-term W-2 jobs, traditional credit cards, and steadily rising incomes. Today, more people are self-employed, many build credit later in life, and home prices have outpaced savings.
Yet the tools used to decide who qualifies for a mortgage haven’t kept pace. HomeDividendsm was created to modernize this part of the system while keeping lending standards disciplined and risk well-managed.
We exist to support borrowers who can genuinely afford a mortgage but are held back by rigid rules, large down payment requirements, or credit models that don’t capture their true reliability. By adding a smarter guarantee to their mortgage, we help lenders say “yes” more often, and help borrowers keep more financial flexibility.
HomeDividendsm is engineered to solve the defining housing affordability crisis of our time by combining three transformative elements:
- 100% Default Guarantee eliminating lender friction and enabling true zero-down mortgages at scale.
- Alternative-Credit Underwriting identifying "invisible prime" borrowers excluded from traditional lending.
- Strategic Alliance Platform expanding borrower lifetime value while deepening community engagement.
We uphold the highest standards of honesty and ethics in all our dealings. Our clients trust us with their financial information, and we honor that trust by delivering accurate, transparent, and reliable services.
What We Believe
Homeownership Should Be Attainable
Responsible people who can truly afford a payment shouldn’t be blocked simply because their profile is non-traditional.
Liquidity Has Real Value
Keeping more of your savings accessible can make you safer and more resilient than locking everything into a down payment.
Incentives Must Be Aligned
We tie our upside to your home’s success. When you build value in your home, we share a clearly defined portion—never the other way around.
How We Work With Lenders
HomeDividendsm integrates into participating lenders’ existing processes to help them approve more borrowers responsibly. We provide:
- Guarantee structures that share risk in a disciplined way.
- Support for evaluating credit-invisible and non-traditional earners.
- A differentiated product that can expand their approved borrower base.
The result is a more inclusive, yet still responsible, mortgage market where more people can own a home without being pushed into unsafe loans.
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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