For Lenders

Partner with HomeDividend^sm to turn qualified homeowners into long-term, lower-risk borrowers, while creating an additional source of fee and interest income.

Why Partner with HomeDividend^sm

HomeDividend^sm helps homeowners unlock a portion of their equity using an income-focused structure, which can improve their cash flow and strengthen their ability to meet monthly obligations with your institution.

By collaborating with us, lenders can reach new creditworthy borrowers, support existing customers, and expand real estate exposure without managing new property operations directly.

How It Works for Lenders

1. Identify suitable customers. You refer homeowners who may benefit from accessing equity or restructuring existing housing-related obligations.
2. We structure the HomeDividend^sm position. HomeDividend^sm evaluates the property, designs an investment structure, and coordinates required documentation with the homeowner.
3. You continue the primary relationship. Your institution can remain the primary lender on the property, while HomeDividend^sm provides a complementary guarantee layer.
4. Ongoing reporting and support. We provide periodic updates on the status of HomeDividend^sm positions and support your team with education and training resources.

Benefits to Your Institution

• Support existing customers by improving their cash flow and ability to stay in their homes.
• Expand origination and fee opportunities linked to HomeDividend^sm-enabled homeowners.
• Gain visibility into alternative capital options without building new infrastructure in-house.
• Differentiate your offerings with an innovative, homeowner-aligned structure focused on long-term stability.
• Potential CRA Credits for HomeDividend^sm-Originated Loans.

Ideal Lender Partners

HomeDividend^sm is designed to complement banks, credit unions, and mortgage lenders that serve owner-occupants and long-term investors seeking sustainable, responsible financing options.

We are especially interested in partners who value clear disclosures, predictable outcomes, and transparent alignment between homeowners, lenders, and investors.

Getting Started

To explore a partnership with HomeDividend^sm or to discuss how our approach can fit your portfolio strategy, please contact our partnerships team.

Email: partners@homediv.com
Phone: 973-363-3800
Mailing address: 1 Gateway Center - Suite 2600 - Newark, NJ 07102