We buy the home. You move in and pay like a mortgage, with every dollar accounted for on your monthly statement. When you've built 20% equity, the title is yours.
We'll reach out when a home is available in your area.
We'll be in touch as soon as a home is available in your target area. Thank you for your interest.
How it works
We act as your lender and hold title as collateral — just like a bank would. The difference is we don't need a credit score from you upfront, because we own the home until you're ready to refinance.
Browse listings in our target neighborhoods. When you find one you love, let us know. We review it and make the offer if it qualifies.
We purchase the home and you move in immediately. Your monthly payment is set at the same interest rate we pay — no markup added on top.
Every payment reduces your principal, exactly like a real mortgage. You can see exactly where each dollar goes on your monthly statement.
Once your balance drops to 80% of the home's value — from payments and appreciation together — you take out a conventional mortgage and the home is yours.
Total transparency
We send you a plain-language statement each month. No bundled fees. No buried markup. Just three lines.
A clear breakdown, emailed on the 1st. No login required. No digging through an app.
Just like a mortgage, every payment chips away at what you owe. You can also pay extra principal at any time to speed things up.
We don't mark up the interest rate to make a spread. Our only charge is the admin fee on the statement above — visible, named, and fixed.
As the home value rises, the equity gap narrows faster. In a normal Greater Boston market (2–4% appreciation), most participants can refinance within 5–7 years.
Who it's for
Greater Boston's homeownership gap isn't about income. It's about the impossible math of saving a down payment while paying rent.
Your household income can support a mortgage payment — you just haven't been able to accumulate a $60–80k down payment while covering rent.
Your score isn't mortgage-ready yet, but it's moving in the right direction. We don't have a minimum score to start, and we'll report your on-time payments monthly to help you get there.
You want to own in the communities you already live in — East Boston, Everett, Revere, Malden, Lynn, or Brockton — not move somewhere cheaper to afford a home.
You're not looking for a short-term rental. You're ready to put down roots and build equity in a neighborhood you plan to stay in for years.
Common questions
Yes — that's by design. Because the payment is calculated on the full home price at the same interest rate we pay, it comes out close to market rent for comparable homes in our target neighborhoods.
The equity you've built through principal reduction is yours. We'll work through a clear exit process that returns your accumulated equity minus a small exit fee to cover transaction costs. No penalties beyond that.
No minimum score to start. We evaluate your income and payment stability. We'll also report your monthly payments to the credit bureaus, so your score improves while you're in the program.
Traditional programs charge above-market rent and apply a small "rent credit" toward a separate down payment fund. Ours is closer to a mortgage: every payment reduces real principal. No gimmick, no credit that evaporates if you leave.
Our launch target is East Boston, Revere, Everett, Malden, Lynn, and Brockton — neighborhoods where home prices and rents align well enough to make the payment math work without burdening participants.
Once your outstanding balance reaches 80% of the home's current appraised value — typically 5–7 years in a normal market — you can refinance through any lender (including Massachusetts Housing Partnership's ONE Mortgage program) and we transfer title to you.
Join the waitlist
We're accepting early interest for our first homes in Greater Boston. Leave your info and we'll reach out as soon as something in your area is ready.
Takes 90 seconds. No commitment required.
Thank you. We'll be in touch as homes become available in your target neighborhood.