a Low Down Payment & Affordable Monthly Payments
We get it. College is expensive and you have student debt, which makes it hard to save for a down payment even though you are working hard in your professional life. Ownify has got you covered. Through our no-debt solution, you can get started building equity without a big down payment.
Buy Your Home
Sooner
Stop wasting money on
rent and move into the home you've always wanted. With Ownify, you become a cash buyer, which makes your offer stronger.
Why Choose Ownify?
Save Big on Your
Down Payment
You only need 2% for the down payment. Ownify covers the rest, including fees. On average, our customers have saved over $33,000 on their down payment.
Build Wealth -- Without
Taking on Debt
You start owning part of your home from day one, and your ownership grows every month. There’s no mortgage or debt involved! Plus, as your home’s value goes up, you benefit!
College Debt?
No Surprises
You’ll have the same payments for 5 years.
We pay for insurance,
taxes, repairs, and other
costs, saving you
time and money.
Real Stories, Real Success
"We’ve worked with several of
the Ownify team members.
The communication, the
accommodations, whatever it
takes - they’ve been great."
- Zac, Owni
"They came in, looked at the
house, and we were closing
with Ownify within two weeks
[…] They have been really
great."
- Jen, Owni
"For first-time homebuyers,
Ownify is an absolute game
changer. It helps them get into
homeownership for the first
time, at a low cost, and in a
safe way."
- Trevor Burris, REALTOR®
EXPLORE FLEXIBLE HOMEOWNERSHIP OPTIONS WITH OWNIFY
Your Dream Home Awaits—Own It with 2% Down!
Ownify offers a new way to own a home, helping you invest in your future while keeping the option to move or cash out whenever you want. With only 2% down, you can start building ownership and stop wasting money on rent.
How It Works
Find your dream home and make an offer with Ownify. We turn you into a cash buyer, so you can close faster.
Get pre-qualified and fill out
the online application
to see if you can join.
You only need to put down 2%, and Ownify pays for the rest, including agent fees, closing costs,
and other fees.
On the day you move in, you own 2% of your home. Ownify helps you grow your ownership each month.
Ownify takes care of repairs, maintenance, insurance, and property taxes, so you don’t have to worry about those extra costs.
Over time, you will build wealth.
After 5 years, you’ll own about
10% of your home - more than with a mortgage.
How do I qualify?
Frequently Asked Questions
Our program helps people who are buying their first home. This means you can't already own a home or have a mortgage. We look at things like your income, expenses, credit score, and if you've been paying your bills on time. You also need to have a FICO credit score of at least 600 to qualify for the Ownify program.
What kind of homes can I buy with Ownify?
You can buy single-family homes if they meet these rules:
- The price is between $200,000 and $750,000.
- The home has at least 2 bedrooms and 1.5 bathrooms.
- The property is on less than 2 acres of land.
Am I really the owner of the home?
Yes, you are! From day one, you co-own the home with Ownify. You start by owning 2% of the home. Each month, you make a payment that has two parts: one part goes toward buying more equity (increasing how much of the home you own) and the other part is an occupancy fee, similar to rent, for the portion you don’t own yet. There is no debt or mortgage involved! Over time, your ownership share grows, and the occupancy fee gets smaller. After 5 years, you’ll own about 10% of the home.
What happens at the end of the 5 years?
You have three choices at the end of 5 years
- Stay with Ownify and extend your contract.
- Use your 10% ownership as a down payment and get a mortgage to buy the home.
- Cash out your 10% ownership and we will give you a check.
At any time during the 5 years, you can also choose to buy the home at its market price.
