Buying a home?
Your family can invest alongside you.
Your down payment, your family’s investment, and your mortgage can together make up the purchase price. You qualify independently and own the home outright.
A purchase, structured differently.
Until now, family support for a home purchase meant a gift. A gift is final. The parent gives up any share of the home’s appreciation, holds no liquidity if their own circumstances change, and faces fairness questions across more than one child.
An investment alongside you works differently. The same capital supports your purchase and buys shares in a residential fund, so the family stays invested in residential value over time. The family’s investment is committed on a conditional basis tied to your purchase, and returned if the purchase does not close.
How it works
Your family wants to help you own a home.
You could buy on your own, but your family wants to help you buy sooner, or reach a better home than you would alone.
Your family invests in an account.
The account is funded over time or in a single step. It is committed to your purchase, and returned if it does not close.
You close and own the home.
At closing, the account’s balance goes toward your home and becomes shares in a Tufa fund. The fund places an appreciation based second alongside your first mortgage. You qualify independently.
Two outcomes.
You own the home. Your family holds shares in a diversified residential fund.
One purchase, two outcomes.
- You own the home outright.
- You qualify independently.
- No monthly payment or interest on the second.
- No effect on your debt to income.
- Shares in the fund, not a claim on your home.
- Diversified residential exposure.
- An investment, not a gift.
- Capital returned if the purchase does not close.
The same investment that supports a home purchase can build diversified residential exposure.
A better home, or a lower monthly payment.
The same investment does both. Which one you get depends on whether you would rather buy more, or pay less.
The second has no monthly payment and no interest. You qualify for your first mortgage the normal way. Because the investment covers part of the price, your first mortgage is smaller.
The figures are illustrative. At sale, refinance, or payoff, the fund receives a share of the home’s value set at origination.
A standard mortgage, from a licensed lender
Your first mortgage is a normal mortgage. You apply, you qualify on your own income and credit, and you close the way any buyer would. The fund’s second sits alongside it. It does not change how you qualify.
This is not open yet. At launch, loans will be originated by a licensed mortgage lender in select states, with additional lenders over time.
Tell us about your purchase.
Availability is opening gradually. Share where you are buying and who is helping, and expect a response when it is ready in your area.
This is an expression of interest, not an application. The platform is open in select states, and expanding.