Ownify helps you buy a home in small steps instead of all at once. You pay a small amount (2%) to own part of the house, then rent the rest. Over time, you can buy more of the house "brick by brick". You don't need a big loan to start, and you get to live in the house while building your equity. You also don't have to worry about big repair bills or extra costs while you're paying for the house. It's a way to make owning a home easier and less expensive. See if you qualify! It takes less than 15 mins and doesn't impact your credit.

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! 

ATTENTION FUTURE HOMEOWNERS!

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

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. 

Who is Ownify for?

College-educated professionals

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.

Self-employed, small business owners, and entrepreneurs

You’re working hard building your dreams - and owning a home can be one of them. Our cutting edge underwriting platform gives us more flexibility to approve non-traditional income, whether you’re a content creator, contractor, or gig worker. Go ahead and apply!

Tech workers & startup founders

We’ve been there - you have a great job building the future but your stock options haven’t vested. Don’t let that delay your dream of owning a home - and get that high speed internet into your home office. Use Ownify now and buy the remaining bricks when you can.

People who don’t want debt

“Young people starting in life should avoid running into debt. There is scarcely anything that drags a person down like debt.” - P.T. Barnum. Ownify’s unique fractional ownership model allows you to build equity in your home without the burden of mortgage debt, ideal for those who don’t want debt.

Those without access to a large down payment

Around half of all first time homebuyers are believed to get financial assistance from parents or loved ones toward their down payment. If you don’t have a relative who can help, or don’t want to go this route, then take a look at Ownify - we need just 2% down.

Ok, you made it all the way here! Jump to our application to see if you qualify - it's free, quick, and doesn't impact your credit score.