Do You Qualify?
We look at people, not just numbers
No minimum credit score. No rigid income formula. If you're a working person who wants to own a home, we want to talk to you.
Who This Is For
Built for the people the banks turn away
Essential Workers
Nurses, teachers, firefighters, warehouse workers — people earning $45,000 to $75,000 a year who keep our communities running but can't get approved for a traditional mortgage.
New to the Country
People still building their credit history. We don't require a traditional credit score. We look at pay stubs, work history, rent payment history, and savings.
Buying Together
Friends, siblings, or colleagues who want to buy a home together on purpose. Groups of 3 or 4 owners. You choose who you live with and share the path to homeownership.
Qualification
What we look at
Credit
No minimum credit score. We look at the whole picture — your income, work history, bill-paying habits, and ability to make the payment. If there's something missing, we'll help you build it.
Income
Income requirements depend on your full situation. Even if you don't quite make enough right now, we can help you get in a position to qualify. Most of our buyers earn between $45,000 and $75,000 a year.
Down Payment
Each buyer brings a small amount to closing to cover their share of upfront costs and the first reserve contribution. The exact number depends on the home and is discussed on the discovery call.
Why Banks Say No
Banks use a one-size-fits-all formula
If your credit score is below their cutoff or your income doesn't fit their box, they say no. It doesn't matter that you've paid your rent on time for years, that you have steady employment, or that you can clearly afford the payment.
We finance buyers the way a real human being would — by looking at whether you can actually make the payment.
"You deserve to own. The system made it hard, not you."
Common Questions
We hear these questions a lot. Here are honest answers.
We hear that a lot. The reason it works is simple — three buyers split one mortgage three ways. Same house, same payment, three names on the deed. We're not doing magic. We're doing math. $785 per month instead of $1,400 in rent, and every dollar builds equity you keep.
Great question — we plan for that. The reserve fund covers short gaps, and the Co-Ownership Agreement has a clear process for what happens if an owner falls behind, including a buyout option. You are not personally responsible for the other owners' shares.
You can sell your share. The Co-Ownership Agreement includes a Right of First Refusal so the other two owners get the first chance to buy you out. If they don't, you can sell to a qualified buyer that CoHaven helps you find.
Yes. Tenants in common ownership has been a standard form of joint property ownership in the United States for over a hundred years. Every transaction is done through a licensed attorney and a title company, with deeds recorded at the county. We will share documentation on request.
Let's look at the numbers together. If you're paying $1,400 or more in rent right now, you're already paying a mortgage — just not on a home you own. Our typical owner share starts around $785 a month (varies by home price and location). That's a real difference, and that difference goes into your equity instead of your landlord's pocket.
Because most lenders make money by saying no. We built this program specifically for the people the banks turn away. The more people who hear about it, the more families get into homes of their own.
Three-bedroom single-family homes in safe, established neighborhoods. They are real houses on real streets — not apartment buildings, not group homes. Most buyers are surprised at how nice they are. Every buyer tours the home before anything is signed.
That depends. Some buyers come to us already paired up with friends or family. Others want us to introduce them to other buyers we've qualified. Either way, you choose. You'll meet your future co-owners before any paperwork is signed.
Ready to find out if you qualify?
No cost. No obligation. Just a conversation about your path to homeownership.
START YOUR PRE-QUALIFICATION