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The Future Of Home Ownership

Tired of the Bay Area’s rental and home prices?
We make it more affordable for all to own

Home Savvy brings a unique way to affordably own in the city

Removing all barriers to home ownership enabling you to stop the cycle of renting and own today

We create a unique structure for those who want to enjoy all the cost advantages of co-buying without the hassle
By co-owning you can drop your down payment requirement and monthly mortgage costs far below your rent!

You could own a home far sooner than expected regardless of high home prices

We enable you to legally and risk-free co-own a home with a friend or friendly housemate
Enabling you to turn your monthly rent costs to cheaper ownership payments that build equity

How it Works

Co-Own

Home Savvy creates a special structure that enables you to enjoy all the benefits of co-buying a home with a friend such as affordability, without the hassles

Satisfaction

Our structure mitigates potential issues of co-buying and co-owning from security, to reselling your home back to the market and mortgage or co-owner issues that may arise in rare circumstances

Safe

We use the most reputable partnering brokerages, banks, lawyers and mortgage partners, the same way homes are purchased today, ensuring safety, trust, and convenience

Affordable

Own a home sooner then planned and stop renting today. Save a significant amount of money with Home Savvy and own with a lot less in the most desirable part of town

Home Buying Today vs Home Savvy

AN AVERAGE $1.2M HOME IN SAN FRANCISCO

Buying Conventionally

 

Meet Dan. Dan has been renting and is looking to eventually buy a home in the city. He’s saved $30,000.

Conventionally Dan looks to put down a 20% payment ($240,000) required to obtain a mortgage by local banks to benefit from leaner mortgage payments. He takes roughly 10 years to save up the remaining $210,000.

During that 10-year period Dan has to rent and pays around $1800 monthly. While trying to save the down payment he spends over $200,000 on rent. This is not an uncommon situation when living in areas with elevated home prices.

Buying With Home Savvy

 

Dan opts for Home Savvy and only needs to put down 5%, which is $60,000, to own a home with a friend.

With only 1 more year of saving Dan is able to stop renting, start owning and not have to spend $200,000 in rent costs. If Dan chooses to own with 3 people he could own even sooner.

Dan has saved himself years of spending $200,000 or some other large number of his hard earned money on rent. He’s able to circumvent the conventional home buying process of taking many years to be able to afford his first home and instead own in far less time. Dan’s happy being financially savvy.

Home Buying Today VS Home Savvy

AN AVERAGE $1.2M HOME IN SAN FRANCISCO

1. Buying Conventionally

 

Meet Dan. Dan has been renting and is looking to eventually buy a home in the city. He’s saved $30,000.

Conventionally Dan looks to put down a 20% payment ($240,000) required to obtain a mortgage by local banks to benefit from leaner mortgage payments. He takes roughly 10 years to save up the remaining $210,000.

During that 10-year period Dan has to rent and pays around $1800 monthly. While trying to save the down payment he spends over $200,000 on rent. This is not an uncommon situation when living in areas with elevated home prices.

2. Buying With Home Savvy

 

Dan opts for Home Savvy and only needs to put down 5%, which is $60,000, to own a home with a friend.

With only 1 more year of saving Dan is able to stop renting, start owning and not have to spend $200,000 in rent costs. If Dan chooses to own with 3 people he could own even sooner.

Dan has saved himself years of spending $200,000 or some other large number of his hard earned money on rent. He’s able to circumvent the conventional home buying process of taking many years to be able to afford his first home and instead own in far less time. Dan’s happy being financially savvy.

When do You expect to own your first home?

Home Savvy vs Conventional Home Buying

A FINANCIAL BUYING COMPARISON

PURCHASING A 2BR $1.2M  AVG SF HOME

Down Payment

Cash/Down Payment Required

Years To Come Up With Down Payment

Money Saved Avoiding Extended Period of Rent

Conventional Home Buying

20%

$240,000

12


Home Savvy*

5%

$60,000

1

$250,000

*Assuming $30k in starting capital with savings of $30k over 1 year.

Rent savings based on average rent of $1900 per month. Actual numbers and timeframe may vary.

Security and Convenience

We work with experienced real estate brokers, lawyers, mortgage providers ensuring trust and security of your home buying experience

Our team has 30 years of real estate experience brokering over $700 million of real estate and managed over 500 units of rental housing
Our co-buying process is based on 30 years of experience without seeing a single default on a co-owned home mortgage

Home Savvy’s unique home structure mitigates issues with co-buying

 

So if one owner experiences financial trouble or defaults your credit and you are not affected
Our no obligation concierge is here to educate you on how to get the most affordable mortgage and help you every step of the way free.

Free Concierge Service by Home Savvy – Sign Up Now

Let our trusted professionals help you understand how you can own now

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