HOW CAN WE   HELP YOU?  

The main pain point while buying a home is saving for down-payment. One can easily afford the monthly mortgage but the huge one-time sum is where it all begins. We understand that when you’re spending thousands of dollars on rent each month in an expensive housing market, saving for a 20% down can be nearly impossible.

This is where Home.LLC is potentially able to help.

Investment: Home.LLC’s down payment program is designed to help Home Buyers reach at least a 20% down payment, and avoid private mortgage insurance (PMI). We can contribute up to 15% of the purchase price towards your down payment, which brings the homebuyer’s contribution to at least 5%.

These terms are subject to change based on a number of factors, including those set by down payment program investors.

Duration: The term of the program is up to 5 years.

The process is really simple. Just answer a few questions about you and your home. It’ll take just a couple of minutes. Click here

Home.LLC has pioneered a smarter, better way to own your home by co-investing in residential real estate. Until now, the main way to access your equity was to add on more debt. We provide homeowners an alternative by converting a portion of their existing home equity to cash without monthly payments. By sharing in the gains only if the home goes up in value, we strive to align with the interests of our homeowners and win together.

Above and beyond the 20% down payment, you’ll have to manage the rest 80% either through a mortgage or any other means you see fit.

Home.LLC is not a co-owner, or owner of record on the home. Instead a second lien is placed on the property to solidify Home.LLC’s co-investment.

When you co-invest with Home.LLC, you’re the owner on title—and you retain all the rights of ownership.

Home.LLC does not charge any fee or monthly payments during the tenure of our partnership.

Well, to name a few reasons you’d love it too:

• Start Building Wealth: Paying rent is like flushing your money down a drain. Instead of paying your landlord’s mortgage, start paying your own!
• Reduce Your Risks: You could lose all of your down payment in the next recession. Instead, transfer that risk to us.
• Invest Your Savings Elsewhere: Invest your savings in more lucrative investment opportunities.
• Buy Your Home Earlier: The longer you wait to buy your home, the more money you lose in rent. Buy your home today with just 5% down.
• Save Money When Buying: Don’t lose your dream home when competing with buyers who have all-cash offers. Turbocharge your home buying by having us place an all-cash contract on your behalf.
• Avoid Extra Debt: Read the fine print carefully in other low down payment options. They could burden you with a LOT of debt.
• Avoid Paying Us Interest: Our investment is debt-free so you don’t owe us any interest or monthly payments!
• Stay in Control: You own the sole right-of-residence

To end the partnership, you simply need to notify Home.LLC and we’ll get the process started. There is an option to buy us out without selling your home by refinancing with your lender or by paying us off.

There aren’t any major constraints but a few things you should keep in check:

• Preserve your home: You must keep your home in an as-is condition or better
• Maintain Your Home: Like any homeowner, keep up on your insurance, taxes, maintenance, HOA, etc.
• 5 Year Term: Either sell the home or buy us out within 5 years
• Limits on Selling: Give us a 6-week heads up before you sell. Also, sell in an arms-length transaction only.
• Limits on Buy-Out: When buying us out, settle our initial investment plus our share of any gain in home value.

When you partner with us, we co-invest with you. That means instead of borrowing from a bank, you share the investment with us. In return, you are able to access the equity, in cash, and you get low fixed monthly payments.

Co-invest means the equity you have, you keep. Home.LLC invests in the part of your equity you don’t own. This means Home.LLC shares in the appreciation and depreciation of your home, but you’re the owner on the title. As co-investors, our incentives are aligned: we want you to get the best price when you buy and watch your home go up in value, just like you do.

As the owner of the home, you are responsible for all associated costs. This includes property taxes, insurance, maintenance, utilities, homeowners association fees, and any other costs related to owning and maintaining the home.

If you want to make any modifications or improvements on your home, you’re free to do it at your own cost.

Everyone’s tax situation is different, but it’s important to understand the tax implications of any large purchase (like your new home!).

As there are potentially many tax benefits associated with owning a home, we’ve compiled resources to help you better understand your situation. Here are the resources:

• IRS FAQ – Real Estate (Taxes, Mortgage Interest, Other Property Expenses)
• NerdWallet – Tax Deductions for Homeowners
• NerdWallet – Tax Benefits of Buying, Owning, and Selling a Home
• Tax Policy Center – What are the tax benefits of homeownership?

Home.LLC is not a tax advisor and does not provide tax advice.

Home.llc is responsible for its taxes, and you are responsible for your taxes. Under current tax law, you should not need to pay taxes when you receive the cash Home.LLC’s down payment program provides towards your home purchase.

You may owe taxes when your partnership with the program ends (the Home.LLC Option is exercised or expired, or you buy it out early through a sale of your home or otherwise).

Please consult your financial advisor.

No, you do not have to be a first-time homebuyer.

The goal of our program is to be as flexible as possible. It’s okay if you have owned a home in the past or if you currently own a home. When you purchase a home with Home.LLC’s down payment program, it needs to be your primary residence (the home that you live in)

Yes, we do have a separate program for investment properties which you can register for.

To approve a property you’ve placed an offer on, we just need the address. As you move forward with closing, we will ned the following information:

• The general home inspection report 
• All seller disclosures that are provided to the buyer 
• Homeowners association documents (if applicable)

Home.LLC’s only goal is to make things easier for you, you are flexible to work with any agent of your choice.

Yes. However, this does not impact your credit score. As part of our qualification process, we use what’s known as a “soft” credit pull to access your credit report. It does not affect your credit score. This usually happens when you submit the application. 

Also, over the lifetime of our agreement, we will use soft credit pulls to ensure that you are continuing to meet the terms of our agreement. Again, this will not affect your credit score.

No. When you sell your home, you’ll be responsible for those costs, just like you would for any other home sale.

However, you should know that Home.LLC’s programs do not add any extra costs at the time you sell your home.

Yes. We take consumer privacy and information security of our users very seriously. You can review our privacy policy for more information.

For 3 reasons:

• The best talent. The best prices. You get access to a young & hungry talent pool from top emerging markets starting at only $20/hour.
• Scale fast. Get free replacements. Our extensive scouting network will help you secure the best talent, fast. Plus, get free replacements in 30 days if you’re not happy with our resources.
• Outsource your headaches. Let us handle payrolls, transfer pricing. & compliance for you.

We take data security seriously, be it intellectual property, proprietary data or confidential information. Our ironclad contract ensures that your proprietary assets are fully protected.

We help you fulfill your proptech talent requirements. Whether you need an analyst to make the optimum real estate investment, or a sales specialist to help you sell your kickass product, we’re here to help.

There is no catch. Our extensive scouting network identifies the hungriest emerging market talent to fulfill your requirements. We can help you hire individual contributors starting $20/hour, depending on your need. Text us to get started.

Just fill up our text form. We’ll help you figure out your exact requirements, and the fastest way to satisfy them . 

Yes. You can start small and scale up later as per your requirement.

If you’re not satisfied with our resources, we will help you secure a free replacement within 30 days.