Let's say your property is valued at $750,000

In exchange for $75,000, or 10%you agree to share 25% of your home's appreciation or depreciation. 

Financing: $75,000

Monthly Payment: $0

Share of Appreciation or Depreciation: 25%

Term: 10 Years

Before the term expires, you decide to sell your home or refinance your loan with Homeshares.

Here are A few possible outcomes:

$750,000
$300,000
$450,000
$750,000
$75,000
$225,000
$450,000
$950,000
$125,000
$476,624
$348,376
$637,500
$46,875
$242,249
$348,376
$750,000
$75,000
$326,624
$348,376
before financing
With Homeshares financing
at Home sale in 8 years
xMortgage
xHome Equity
xHomeshares
Home appreciation = $200,000
Homeshares share of appreciation = 25% x $200,000
= $50,000
Payment to Homeshares
= $50,000 + $75,000
= $125,000
Equivalent APR = 7.74%
Depreciation = $112,500
Homeshares share of loss = 25% x $112,500
= $28,125
Payment to Homeshares = $75,000 - $28,125
= $46,875
Equivalent APR = -4.54%
**In this scenario, you’ll repay Homeshares less than Homeshares paid you because we share in losses.
Home appreciation = $0
Homeshares share = 25% x $0
= $0
Payment to Homeshares = $75,000 + $0
= $75,000
Equivalent APR = 1.14%

Disclosure: The terms shown on this page are for illustrative purposes only and are intended to demonstrate how a sample Homeshares loan works. These terms may not be representative of the terms that a homeowner with similar characteristics is offered. The outcomes shown for future home values are just a few out of the many possible and probable outcomes.

The exit outcomes shown on this page are linked to the sale of the property. In actual, the homeowners may decide to pay back Homeshares through other means including cash-out refinance, move-out, early payment among others. In the case of the home sale, the final payment to Homeshares is based on the home sale price or the home appraisal, whichever is higher. At that time, the homeowner will responsible for paying all costs associated with the home sales, including but not limited to broker commissions, legal etc. Those costs have not been shown here. Equivalent APR assumes appraisal fees of $1000, discharge fees of $500, and legal fees of $2,100. It also includes the 4% lender fee charged by Homeshares.


How much can I request?

Minimum of $50,000 - Maximum of $200,000

Interested? Contact us for more information!

Questions? We've got answers