The Power of OWNING
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Not only can you save each month with an INVEST mortgage, but you can grow and diversify wealth. Owning a home and setting aside part of your monthly savings along with the INVEST lender match is a powerful way to increase wealth and diversify savings. Take a look at the impact on net worth of OWNING as compared to renting over a 10 year period:*
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Renting:
OWNING:
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Monthly cost: $2,200
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Savings: $0
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Home equity: $0
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Net Worth: $0
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Monthly cost: $1,570
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Savings: $81,310
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Home equity: $201,600
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Net Worth: $282,910
*Comparison is based on renting a similar property versus OWNING over a 10 year period, and assumes: an INVEST mortgage on a $400,000 property, 5% down payment, 15% principal reduction (37.5% equity share ratio), 4% APR, total monthly saving election of $306 with $153 lender match. Assumed annual home appreciation rate of 4%; assumed savings investment annual return rate of 7%. Monthly cost of INVEST mortgage does not include property tax or insurance.
Introducing the INVEST mortgage - the 401k of home loans.
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Owning a home is a big investment. We think a smarter home loan should help diversify that investment. Using shared equity in your loan not only reduces debt and monthly cost, it allows you to channel savings into an IRA, education, or other savings account. And to help grow your savings faster, we'll match 50% of your contributions.*
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Invest in you through your mortgage, and we will too.

*Lender match of 50¢ for every $1.00 contributed to savings by borrower, subject to annual maximum IRA contribution limit of $5,500, is available during first 10 years of the INVEST mortgage. Lender matching contribution vests annually. Other terms apply, contact us for more information.
Helping to make home ownership more affordable and saving a lot easier.
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How? By changing the approach to home finance. The home loan has always been about debt. But a home is more than just collateral, it's an asset. And when used that way in a home loan, amazing things happen. Loan balance, interest charges and monthly payments are all reduced. Additional costs, like mortgage insurance, can be avoided. Less is needed for a down payment. Income requirements are lower allowing more people to qualify. Savings, with a lender matching contribution, is available. Home ownership becomes more affordable and saving becomes easier.
It's time to rethink home finance.
Compare Monthly Payments
Imagine saving $600 or more each month on your mortgage payment. Over 10 years, that's $72,000 in savings!
Base assumptions for both mortgage payment amounts: $400,000 home; 5% down payment; 2.8% origination cost; 4.5% annual percentage rate (APR); 30 year fixed rate mortgage. FHA mortgage: additional 1.75% funding fee. INVEST mortgage: 15% principal reduction. Property tax and insurance payments are not included.
The INVEST mortgage does what no other mortgage can do:
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About Us
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OWN Home Finance is a Public Benefit Corporation, and we've taken a different approach to home finance. We know there are a number of hard working individuals out there struggling to pay their mortgage and other debts, let alone set aside money for savings or education for their children. And worse, there's a large group of people who want to buy a home, but can't save enough for a down payment or qualify for a loan based on income requirements. Our goal is to change that. We think through product innovation and a more holistic approach to credit (for example, paying rent and utlities on time should count), more people can enjoy the benefits of home ownership and save for a better future.
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We're on a mission to make home ownership more affordable and saving easier for lower income and underserved communities through a smarter home loan.