We envision a financially inclusive world where Aspiring homeowners and everyday investors hold power to improve their lives. 

More than 31 million American renters households who prefer to be owners are unbanked and can’t access the financial services they need. Our mission to make building wealth accessible by turning compassion into action through fractional real estate investing. 

We do this by crowdfunding home equity loans and unlocking capital for the underserved Aspiring homeowners while offering an easy-to-use experience for the everyday investor looking to invest passively in rental properties. 

By investing as little as $100 on HomeFundMe, you can be part of the solution and make a real difference in someone’s life.

An easier way to buy or invest in properties.

We believe everyone should be able to own a home or invest in real estate without the burden of mortgages.

Our goal is to enable more Americans to buy a home without depending on conventional financing. Through HomeFundMe, Aspiring homeowners can co-invest with investors with all levels of capital and experience. Aspiring homeowners own their dream homes, while investors earn competitive returns with a capital guarantee. 

We see it as a win-win solution for all.

The Future of Homeownership.

We believe investing alongside thousands of others is one of the most powerful and sustainable ways to create economic and social good. Investing in HomeFundMe creates a partnership of mutual dignity and makes it easy to touch more lives with the same dollar.

Whether you invest with friends in your community or people halfway around the country(and for many, it’s both), HomeFundme creates the opportunity to play a special part in someone else's story. At HomefundMe, loans aren’t just about money—they’re a way to create connections and relationships.

A HomeFundMe loan enables Aspiring homeowners to buy their dream home and create opportunities for everyday investors to Buy shares of rental properties, earn monthly income, and grow their real estate portfolio. That ripple effect can shape the future of a family or an entire community.

An easier way to buy or invest in properties.

Record high home prices. Rising interest rates. Increasing lending standards. All challenge the average consumer home buyer when buying even their primary home...but the idea of having the ability to buy an investment property historically was unattainable or even unthinkable to 90% of the population. 

The idea is simple: To open up the property market to be more accessible to everyone. Everyday investors access highly vetted investment opportunities for as little as $50. At the same time, Aspiring homeowners can own a home by paying 2.5% of the property purchase price without getting a mortgage.

When you borrow money, you pay it back. Simple.

The concept of charging interest is against the ‘fair distribution’ principle because it increases inequality. When interest is charged, the lender ends up with more and the borrower with less than they both started with – the rich become richer while the poor become poorer.

This increase in inequality is considered particularly immoral because the extra money the lender walks away with is unearned income. Charging interest is the same as making people pay for something they have a legal right to and can find for free elsewhere.

Interest rates can drive property prices in a variety of ways.

Interest rates profoundly affect the value of the income-producing real estate—just like they do on any other investment vehicle. This is especially true about the rates on interbank exchanges and Treasury bills (T-Bills). Because their influence on an individual's ability to purchase residential properties (by increasing or decreasing the cost of mortgage capital) is so profound, many people make the incorrect assumption that the only deciding factor in real estate valuation is the current mortgage rate.

Unlocking the $7.7 trillion rental market.

HomeFundMe is leading the real estate crowdfunding marketplace to provide Aspiring homeowners with an easier way to own a home, and an innovative option for investors to diversify their investments, the first marketplace to do so.

We believe that real estate investing is fundamentally broken. Rental returns are rapidly shrinking, investing is time-consuming and challenging, and the financial barrier to investing is too high. Our goal is to dramatically reduce the many barriers to entry for both Aspiring homeowners & everyday investors while pioneering an entirely new category of real estate investing through fractional ownership of high-yielding real estate investments.

Unlock The Doors to Your New Home.

With co-ownership, you start with a small home equity deposit and no mortgage. Your investment grows with the home's value, and you build additional home equity with your monthly payments.

HomeFundMe offers a hybrid solution where Aspiring Homeowners buy a proportion of the home, at least 2.5%, and pay rent on the rest. It's simple, quick, and easy, and it allows people to invest in the housing market as they can afford it and no longer need to worry about a landlord knocking on the door and giving them 60 days' notice.

We're making property ownership inclusive, for the first time ever.

As markets rise and wealth gaps widen, property ownership has begun to feel like a luxury. We believe everyone should have the opportunity to invest in one of the world’s most consistent assets. That’s why we’ve created a platform to lower the barrier to entry, welcoming investors with all levels of capital and experience.

Owning a home can become a full-time job between vetting, legal work, and maintenance. Our one-stop-shop handles all the functions of property ownership so investors can dip into real estate, even when they’re swamped with other responsibilities.

Making the dream of homeownership possible again.

Far too many people are locked out of owning today. So, we've made it our mission to provide aspiring homeowners a flexible and attainable way to become owners.

With house prices rising significantly faster than wages and aspiring homeowners unable to borrow enough with mortgages, more people than ever are locked out of homeownership.

Even institutional investors are struggling to break into the market.

Why HomeFundMe Wins.

We’ve created the world’s first all-digital, on-demand Home equity crowdfunding marketplace to provide Aspiring homeowners with a third option beyond renting or buying a home with a mortgage.

HomeFundMe is a fully passive experience. Our Everyday investors never have to deal with the logistics of the properties they own shares in and, at the end of each month, receive dividend distributions directly into their account, or Choose the price at which they want to offer their shares and sell them to other investors in the marketplace with a matching bid.

HomeFundMe is a First-of-its-Kind Fintech Crowdfunding Marketplace

While several Fintech incumbents have entered the crowdfunding marketplace rental and fractional ownership market, there is no other product focused exclusively on solving the housing crisis instead of making it worse that offers access to everyday investors for as little as $50.

Our Business Model.

Here is able to drive revenue throughout our entire customer lifecycle.

Our dedicated team has been driving meaningful revenue from day one and throughout the relationship with both Aspiring homeowners & everyday investors, all the way to closing the properties.

We source revenue from two different categories:

• Acquisition Fee: This fee is based on the total value of the property offered on the platform and varies from property to property. This fee covers services such as our property acquisition & onboarding team, investor aggregation, and underwriting.
• Property Management Fee: Up to 8% of the gross rent. This fee kicks in only if a property has a tenant. It covers day-to-day property management, searching and screening potential occupants, and the upkeep and renovations of the house so it stays in tip-top shape.

The Market.

The global real estate crowdfunding market was valued at USD 10.78 billion in 2021 and is expected to grow at a CAGR of 45.6% during the forecast period. Real estate crowdfunding is a new innovative method for investing in the residential sector. These investments are gaining traction as more global investors are looking to diversify and de-risk their portfolios.

Our Projected Growth.

In 2023, we have goals to grow to 50,000 active members with $25M in total assets on the platform and hope to lower our minimum investment over time and launch our app for iOS & Android.

Our Team.

The founding team at HomeFundMe has years of combined experience in the prop-tech space, with our CEO Chafiq Ennaoui having previously co-founded 3rd acquisitions. This fully remote real estate development served Landowners located in more than 100 cities across the US.

Lindsay Gonzalez, our Chief Operating Officer, has 13+ years of experience leading companies from startups through high-growth stages, She played a key role in growing Zeta Global to over 1,000 employees by leveraging data-driven cloud technology that took them to a recent IPO at a 1.27b valuation. 

Saurabh Sachan, our Chief technology Officer, leads a team that forges products for businesses. A team of innovators, designers, and full-stack developers that work every day with a single goal of building tools that businesses can use internally and give their customers to go to the next level of efficiency and excellence.