Together WE GOT THIS

Get FREE expert support and guidance for groups of 2-4 friends or partners on your co-ownership journey, from start to finish! Bringing UNITY, CLARITY, and SECURITY to your adventure.

Save TIME, MONEY, and RELATIONSHIPS

  • Initial Planning:

    • Priorities, Timing, Preferences, Finances, Prequalification, Roles, Policies

  • Mortgage Pre-Approval:

    • Coordination with Lenders, Discover Federal and State Financial Aid, Credit, Debt To Income

  • Co-Ownership Agreement

    • Ownership Rights, Property Management, Buy-Sell Agreement, Exit Strategies, Conflict Resolution

WHY Better Together?

  • Lenders and real estate agents often avoid working with non-married groups of 2-4 co-borrowers due to the complexity and risks involved in joint mortgages. In fact, potential co-owners end up renting for those same reasons. We guide the process to ensure buyers receive the respect they deserve and the clarity and security they need throughout the co-buying transaction and beyond.

  • We only work with non-married Co-owners. We use our expertise to kickstart your journey with an UP FRONT PLAN that will align your interests and guide you in the joint mortgage and through a successful home purchase.

    • Once you close on the home, we will structure a tailor-made CO-OWNER AGREEMENT specifically for non-married co-owners, ensuring unity, clarity, and security for the co-owners. No loose ends before, during, or after the joint mortgage is funded.

Unity, Clarity, & Security

Together WE GOT THIS

Co-Ownership Pros

Financial Benefits

  • More home for your money

  • Less upfront and recurring costs

  • Long-term investment and wealth accumulation

  • Credit Score Gains

  • Tax Benefits

Social Benefits

  • Companionship

  • Shared responsibilities

  • Additional Security and comfort

Quality of Life

  • Access to nicer neighborhoods

  • Being a homeowner

  • Long-term wealth accumulation

  • More positive medium- and long-term options

  • Stable housing costs

Co-Ownership Cons

Administrative Hurdles

  • Difficulty Finding Lenders and Real Estate Agents to Work With

  • Disagreements About Property Type, Location, Financial Contributions, etc.

  • Complexity of Finances

Social Risks

  • Ruined Relationships

  • Unwanted Extra Roommates

  • Job Loss or Relocations

  • Disagreements About Maintenance

Truth is, there are a lot of loose ends! Buying a home is complex with one person, and adding multiple people complicates things exponentially.

If you aren’t careful, you could get tied up in knots, ruining relationships, and costing tens of thousands of dollars in legal charges. BUT DON’T DESPAIR….Together WE GOT THIS.

Legal Risks

  • No Exit-Dissolution Agreement

  • Ownership Percentage Disputes

  • Breakups and Deaths

  • Payment Defaults