Our Impact
Building wealth for the missing middle.
We help middle-income families access homeownership — and protect them from the downside risk that traditional mortgages can't.
Who we serve
The missing middle homebuyer.
Our customers reflect the diversity and drive of today's first-time homebuyers — families that earn too much for assistance, but not enough to compete in today's mortgage market.
132%
AMI on average
56%
Black or Latinx
25%
1st-gen immigrants
719
Average FICO
Owni Income Distribution
Share of Ownis by Area Median Income.
- Below 100% AMI
- 100–150% AMI
- 150–200% AMI
- 200%+ AMI
Nearly 7 in 10 Ownis earn between 100–200% of Area Median Income — the families priced out of mortgages but earning too much for traditional assistance.
What our Ownis gain
A model built around real life, not just credit scores.
Ownify removes the upfront cost, the debt, the surprise bills, and the downside risk. Here's what that means in practice.
$29K average down payment savings
Our Ownis get into a home with a fraction of the upfront cash a mortgage would require.
$392 average monthly savings
Lower monthly payments free up cash for life — savings, family, and unexpected expenses.
Predictable 5-year payment certainty
Locked-in payments shield Ownis from rate shocks and rent increases for half a decade.
Fully-inclusive ownership
Repairs, insurance, and property taxes are all included — no surprise bills.
Zero debt, never underwater
No mortgage means no negative equity. Ownis own what they've built, period.
The headline chart
Ownis built more equity than a mortgage would have.
Ownify customers build equity faster than they could with a traditional mortgage - because there is no interest to pay and transaction costs are lower. After 18 months, our customers are on average $10k ahead of the traditional mortgage journey
Ownis ahead of a mortgage
79%
79% of our Ownis built more equity than they would have with a mortgage.
Average net equity — Ownify
$1,839
Per Owni, after all costs.
Average net equity — Mortgage
-$8,228
$10k less than an Ownify customer.
What our Ownis tell us
The numbers behind the choice.
When asked why they chose Ownify over a mortgage, our customers were clear:
100%
found Ownify a better fit than a mortgage
75%
didn't want to take on more debt
75%
didn't want to pay for repairs, insurance, and taxes
88%
valued never being underwater
In their words
What Ownis say about us.
"The Ownify team was great to work with. Very welcoming, responsive, and great mission."
"Keep doing what you're doing because it's great."
"The program is very helpful for this economy."
"Our experience with Ownify has been great so far. Ben is responsive and professional and takes our requests seriously."
"Your program / product is amazing, we are truly thankful!"
Global alignment. Local impact.
Aligned with the UN Sustainable Development Goals.
Our work strengthens families and local communities through homeownership — and aligns with the global goals that matter most for housing equity.
Helping families break the rent cycle and build financial stability through affordable homeownership.
Creating pathways for wealth-building and economic participation through equitable housing access.
Expanding ownership for communities historically excluded from traditional financing.
Fostering stability, pride, and investment in stronger, more inclusive neighborhoods.
Impact Stories
Meet the families behind the numbers.
Real Ownis, real homes, real stories.