Balance invests in your home in exchange for a portion of your home equity. As a co-owner, Balance shares in the costs, appreciation and depreciation of your home. Sharing in your future home appreciation allows Balance to offer attractive terms with low monthly payments and flexible qualifying criteria.


Balance’s flexible Co-Ownership Program can help provide relief, save your home, and give you the cash flow you need to deal with life’s unpredictability. Balance provides the unique ability to receive a co-investment in your home in exchange for affordability and flexibility today. Balance is a great option if you want to access your equity, improve your current financial situation, and then build your credit profile to go refinance later with favorable terms. With reduced debt and a higher credit score, you may appear more creditworthy to lenders, making refinancing within reach over time.

With a traditional lender, you own all the risk in your home. With Balance, you purchase what you can, and only take on the risk for that portion. Because we share equity, Balance can often provide significantly reduced monthly payments. When the value of your home goes up, we both win, and if it drops, Balance is by your side to help shoulder the burden. If you’re able to qualify for a home loan, we recommend checking out this option and comparing it directly with our quote.

The percentage of home value that we own is a simple calculation: Balance’s total investment (which is the cash used to pay off your mortgage), plus any other requested debt payoffs and cash out, divided by the value of your home.

Unlike conventional lending that fails to meet homeowners’ needs, Balance has created a flexible co-ownership program that helps you avoid foreclosure and take control of your finances now and for the future, even with a low credit score. In exchange for an ownership interest in the home, Balance pays off your mortgage and up to $50K of other debts so you can get back on your feet without the pressure of snowballing overdue payments. As a co-owner, Balance shares in typical home expenses such as insurance, taxes, and necessary repairs, along with the future appreciated value of the home.

Co-owning a home with Balance puts you back on a path toward successfully qualifying for a new mortgage or, if you prefer, selling your home.

You do, together with Balance!

As long as you are current under your payment obligations, Balance can never sell the property or cancel the agreement.

Yes! To us, you’re more than just your credit score. There is no minimum credit score required, and owners in forbearance and foreclosure may still qualify. Since Balance is a co-investor and not a lender, we are able to offer flexible terms and use your home equity and income as qualification criteria.

Plus, a Balance Co-Investment could help increase your score to help you appear more creditworthy to lenders.

Balance pays off your existing mortgage, helping to lower your overall debt and increase your credit score.

To qualify for a Balance Co-Investment, Balance will review your current equity in your home, along with your income and expenses and compare it to our investment criteria. While many people do qualify, our co-ownership program does need to be a fit for both you and Balance.

We want you to be excited and confident about entering into Balance’s co-ownership program. That’s why we provide the option for you to back out at any time before Balance finalizes a Co-investment in your home, without any fees or penalties.

Nope! We understand that you are working on improving your credit score. To receive a proposal, we only need to do a soft pull of your credit report, which has no impact on your credit score.

We’ve tried to make Balance as flexible as possible for our co-owners, so there is no minimum term. Balance currently offers a 7 year maximum term and will typically be repaid whenever you decide to buy Balance out and move to a traditional mortgage or sell the home entirely.

As part of the application process, we require homeowners to submit relevant financial accounts and formal documents, for determining your income and debt situation.

Yes! We have designed Acquisition Payments to enable Co-Owners to repurchase a portion of the home owned by Balance to increase their ownership.

Similar to a mortgage and other home equity products, Balance charges a service fee and you are responsible for paying the closing costs. You have the option to pay all of the closing costs with a portion of your home equity, so Balance’s customers typically pay $0 at closing. In fact, customers are also able to sell additional equity to Balance at closing and receive additional cash at closing to pay off other debts. Your closing costs, including any cash outs you elect to receive, will be summarized in a Balance proposal.

You’ll pay a monthly fee to Balance that includes an occupancy payment for your exclusive occupancy of the home and your share of the home’s expenses, such as insurance and taxes.

This is something that Balance created to provide additional financial flexibility for our Co-Owners. Balance provides ongoing access to a portion of your home equity, which can help you strengthen your finances and avoid setbacks. Potential uses of Emergency Reserves include: monthly payment relief, unexpected repairs, and home maintenance expenses. This helps prevent a lot of stress and a potential snowball effect of falling behind.

With Balance, you may be able to utilize Emergency Reserves to sell a portion of your equity to make a monthly payment. The amount of Emergency Reserves available will be detailed in your specific proposal and subject to approval. This way there’s no falling behind if an unexpected life event comes up. If you exceed your Emergency Reserves and are unable to make monthly payments, Balance will reach out to understand your situation and together create a plan for you to become current on payments, finance your home with a traditional mortgage or sell your home.

Balance does record a lien on the home to protect our co-ownership interest. The lien is removed upon your successful exit from the co-ownership program, e.g., when you buy us out by selling or obtaining a traditional mortgage. It is a standard practice in any real estate transaction, given the large amount of cash involved and, of course, is not something Balance can choose to exercise unless certain conditions have arisen.

When you choose to end our co-ownership relationship, the buy-out amount will be equal to Balance's ownership % at the time multiplied by the fair market value of the home—even if it ends up being less than our initial investment amount. Balance will be repaid from the proceeds you receive from the refinance or sale of the home.

Yes! Our incentives are aligned and we both hope your home will increase in value, but if the value of the market decreases we will share in any market losses. Hedging your risk where a traditional lender is still entitled to their full amount.

You can pay Balance back when you’re ready – Balance has flexible payback options and no minimum term. When you decide to end our co-ownership relationship or when the total term of our program has expired, Balance will typically be repaid whenever you’re ready to transition to a traditional mortgage or sell your home.

Our pricing is fair and transparent: Balance charges a one-time shared ownership entry fee up to 2.5% of your home value to co-invest in your home and pay off your mortgage and any other eligible debts. Homeowners have the option to save their cash and pay this one-time fee using their home equity, so a homeowner can partner with Balance without paying any cash to Balance at closing.

You’ll pay a fixed monthly fee to Balance, based upon the percentage of the home co-owned with Balance. When you choose to end your co-ownership relationship with Balance, the final amount due is based on the final fair market value of your home. As the value of your home changes, Balance’s buy-out amount is adjusted accordingly to reflect the gain or loss of our investment.

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Balance is a passionate, experienced team of real estate experts — backed by top-tier investors — on a mission to end foreclosure with a more affordable and flexible way to own a home.