For homebuyers
Homeownership reimagined - for you.
Buy your home brick by brick. Zero debt. No surprises. All you need is a 2% initial contribution to start owning.
By the numbers
What it looks like to buy with Ownify
~$390
Average monthly savings vs. a conventional mortgage for first-time buyers.
$29,000
Savings on initial contribution compared to a typical 10–20% down payment.
21 days
Average time to close on a home with our strong cash offer.
$17,000
Average equity owned by our Ownis two years into the program.
Why buy with Ownify
The best of owning and renting combined
Buy your home now
All you need is a 2% initial contribution. Ownify covers the rest and turns you into a powerful cash buyer.
Be an owner from day one
Find your dream home and make it yours. You hold equity from the day you move in.
Invest in your future
Buy more equity in your own home every single month. And watch your rent go down.
No surprises
Fixed payments for five years. Ownify covers insurance, taxes, repairs — and the worry that comes with them.
How does Ownify compare?
Ownify vs. renting vs. a mortgage
The protections of renting. The equity of owning. None of the surprise costs.
Ownify
The best of both worlds
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Equity ownership
Build wealth from day one.
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Payment certainty
Fixed payments for 5 years.
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Renovate & remodel*
Make it truly your home.
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Low upfront commitment
Just 2% to get started.
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Repairs included
We handle the unexpected.
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Insurance included
No separate policy hunt.
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Property tax included
No surprise bills.
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Transaction costs
Only 2-4% on selling your equity
* Major renovations require Ownify approval and local permits.
Renting
Flexible, but no equity
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Equity ownership
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Payment certainty
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Renovate & remodel*
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Low upfront commitment
Just 1-2 month security deposit.
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Repairs included
Landlord makes repairs.
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Insurance included
No separate policy hunt.
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Property tax included
No surprise bills.
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Transaction costs
Your monthly payment builds your landlord's wealth, not yours.
Mortgage
Equity, with full risk
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Equity ownership
Build wealth from day one.
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Payment certainty
Fixed payments for 30 years.
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Renovate & remodel
Make it truly your home.
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Low upfront commitment
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Repairs included
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Insurance included
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Property tax included
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Transaction costs
7-10% (!) on selling your equity
10%+ down, plus repairs, taxes, and insurance — all on you.
The math
See the numbers side by side
Compare your monthly payment with Ownify against renting and a traditional mortgage.
The journey
How it works in a few simple steps
From application to keys in hand — and beyond.
- 1
Apply and get approved
Complete our short online application. Receive a home purchase budget and monthly payment estimate.
- 2
Get ready to buy
Sign the participation agreement and pay the $500 participation fee. Shop with your Ownify-accredited agent.
- 3
Make your initial contribution
Bring 2% to the table. Ownify and our local investors fund the remaining 98%, including closing costs.
- 4
Make a strong cash offer
Ownify assesses your home and submits a cash offer on your behalf, helping you close faster and stronger.
- 5
Rehab & make ready
We make necessary renovations to your home before you move in (up to 5% of purchase price).
- 6
Move in
Get the keys and own 2% equity on day one. Start building more equity every month.
- 7
Enjoy your new home
Fixed payments for 5 years. We handle repairs, taxes, and insurance. Make the place truly yours.
- 8
Build equity over time
By the end of year 5, you typically own ~10% equity. Buy out the rest on your timeline, or renew.
Ready to own brick by brick?
Apply in minutes. We'll come back with a budget, a monthly estimate, and an introduction to a local Ownify-accredited agent.