Crowdfunded home ownership
YourHomeStarter pools money from everyday investors to buy houses outright for working families, who then pay it back over 30 years at a rate locked on closing day, more than a point below the bank. No PMI, no closing costs, just 3% down, and every dollar visible to everyone, always.
Who you are, where you work, the houses you're aiming for. Real people read it, including the neighbors who'll back you.
Credit, income, employment. Our underwriting note travels with your campaign so backers know you can genuinely afford this.
Bring 3% down. That's it, ever. When the pool covers your cheapest target, you buy it outright: cash offer, no bank, no closing costs, no PMI.
Your rate locks the day you buy, then never moves. Same payment for 30 years, full schedule on screen from day one. Hit a rough patch? Federal law guarantees at least 120 days before any foreclosure step, and your backers can vote to extend grace beyond that. People, not an algorithm.
Browse verified profiles: their story, their numbers, our underwriting note, verbatim.
Your money earns from day one. 3-month lock, then withdraw anytime before purchase.
Once the house is bought, the family's monthly payment flows to you, pro-rata, secured by the home.
List your share on the YourHomeStarter market. Long on-time payment histories make shares more attractive, not less.
A quieter way to back a family
Cash, or your retirement money
You can back a family with ordinary savings, or with retirement funds through a self-directed IRA, including money rolled over from an old 401(k). Using retirement money means this does not have to be cash you keep on hand today. It is savings you already set aside, now earning a return secured by a real home.
One IRS rule, in plain words
If you invest with retirement funds, the IRS says you cannot use them to back your own spouse, parent, grandparent, child, or grandchild. You can still back a sibling, a cousin, an aunt or uncle, a friend, a coworker, or anyone outside that direct family line. With regular, non-retirement money, you can help anyone at all, including close family.
The same house, three ways
| The same $250,000 home | Bank · 6.49% | FHA · 6.20% | YourHomeStarter · 5.25% |
|---|---|---|---|
| Purchase price | $250,000 | $250,000 | $250,000 |
| Monthly payment (P&I) | $1,531 | $1,503 | $1,372 |
| Mortgage insurance | $152/mo, ~9 yrs | $113/mo × 30 yrs | None, ever |
| Cash to close | $13,500 | $14,750 | $7,500 (3% down, no fees) |
| Total over 30 years | $581,090 | $596,491 | $501,501 |
Backers receive the family's full payment stream pro-rata. YourHomeStarter keeps a small, disclosed servicing slice, and that is the entire business model. No origination fees, no junk fees, nothing buried.
The numbers above do not include a buyer's-agent fee. If the buyer chooses to use a real-estate agent, that agent's fee is the buyer's own separate cost, paid by the buyer, and it is never rolled into the loan or the campaign.
We're launching state by state. Tell us who you are and we'll write to you the moment YourHomeStarter opens near you. Founding members get first access on both sides.