--- title: "How the Ownify Agent Program Works — 6 Steps From Offer to Close" description: "Help more first-time homebuyers close. Ownify funds 98% of the purchase price so your clients become cash buyers with just 2% down — and you earn more per deal." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "@id": "https://ownify.com/#organization", "name": "Ownify", "alternateName": "Ownify Homeownership", "url": "https://ownify.com/", "logo": "https://ownify.com/favicon.png", "description": "Ownify is a fractional homeownership platform that helps first-time homebuyers buy a real home with as little as 2% down by partnering with long-term capital investors. 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With your consent, we may also use non-essential cookies to improve user experience and analyze website traffic. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy . You can change your cookie settings at any time by clicking “Preferences .” Accept [![Ownify](/assets/ownify-logo-color-B9tRH5I9.png)](/) [Homebuyers](/homebuyers) [Investors](/investors) [Agents](/agents) [Markets](/markets) [Research](/research/ownify-university) [Blog](/blog) [About](/about) [Sign in](https://app.ownify.com/auth/magic/request?__hstc=53035703.7a232f697d9e8507f6a521165ac9ff88.1787187774381.1787187774381.1787187774381.1&__hssc=53035703.1.1787187774381&__hsfp=459a5155cbd50c6758f41a978f891916)[Get started](https://app.ownify.com/applications/new?__hstc=53035703.7a232f697d9e8507f6a521165ac9ff88.1787187774381.1787187774381.1787187774381.1&__hssc=53035703.1.1787187774381&__hsfp=459a5155cbd50c6758f41a978f891916) For real estate agents # Help more first-time homebuyers. Earn more as a buyer's agent with cash offers and a performance-based commission plan. [NOW: License Owen for your business](/tech/owen)[Get accredited](https://app.ownify.com/agents/register?__hstc=53035703.7a232f697d9e8507f6a521165ac9ff88.1787187774381.1787187774381.1787187774381.1&__hssc=53035703.1.1787187774381&__hsfp=459a5155cbd50c6758f41a978f891916) Why partner with Ownify ## Reduce time to close, convert more buyers. ### Earn more per deal Cash offers and a performance-based commission plan designed to reward agents who close consistently with Ownify. ### Convert more shoppers to closers Reduce time and effort to close by qualifying first-time buyers who couldn't otherwise put 10–20% down. ### Get the right to relist When customers are ready to graduate to a traditional mortgage, you keep the right to list homes you originally purchased through Ownify. How it works ## Six steps from offer to ownership. Here's what happens when you bring a first-time buyer to Ownify. 1. 1 ### Buyers qualify with just 2% down Ownify makes homeownership possible with only a 2% initial deposit, expanding the pool of buyers you can serve. Most single family homes and townhomes priced from $200K–$750K are eligible. 2. 2 ### Your client becomes a cash buyer Ownify transforms the first-time homebuyer into a cash buyer, allowing your clients to close without an appraisal or financing contingency. 3. 3 ### Ownify funds the other 98% Ownify and its investors provide the remaining 98% of the purchase price, including closing costs, due diligence fees, and earnest money. 4. 4 ### They become owners on day one Customers become owners the day they move in, owning 2% of their home's equity from the start. 5. 5 ### Ownify covers the headaches Ownify covers repairs, insurance, and property taxes, reducing financial uncertainty for your client and any post-close drama for you. 6. 6 ### Equity grows every month The customer purchases incremental equity each month. After 5 years, they typically own ~10% of the home's value. ## Become an Ownify Accredited Agent Online training, a short assessment, and you're accredited within an hour. [Become Accredited](https://app.ownify.com/agents/register?__hstc=53035703.7a232f697d9e8507f6a521165ac9ff88.1787187774381.1787187774381.1787187774381.1&__hssc=53035703.1.1787187774381&__hsfp=459a5155cbd50c6758f41a978f891916) Keep exploring ## More useful resources [Agent commission plan → ](/agents/benefits)[Agent Accreditation → ](/agents/accreditation)[FAQs → ](/research/faq) ### Homebuyers - [How it works](/homebuyers/how-it-works) - [Are you eligible?](/homebuyers/eligibility) - [Build my plan](/myplan) - [Ownify vs. mortgage](/homebuyers/vs-mortgage) - [Ownify vs. rent-to-own](/how-rent-to-own-works) - [Detailed calculators](/homebuyers/detailed_calculators) - [Ownify Mortgage](/mortgage) ### Investors - [Why invest](/investors) - [Investor FAQ](/investors/faq) - [North Carolina Home Fund](/investors/north-carolina) - [Colorado Home Fund](/investors/colorado-home-fund) - [Become a partner](/investment-partner) ### Agents - [How it works](/agents/how-it-works) - [Agent benefits](/agents/benefits) - [Get accredited](/agents/accreditation) ### Markets - [Colorado](/markets/colorado) - [North Carolina](/markets/north-carolina) - [Tennessee](/markets/tennessee) - [California](/markets/california) - [All markets](/markets) ### Company - [About us](/about) - [Our impact](/research/our-impact) - [Ownify University](/research/ownify-university) - [Reviews](/reviews) - [Blog](/blog) - [Ownify Tools & Tech](/tech) [![Ownify](/assets/ownify-logo-reversed-CShwpfYm.png)](/) [Terms](/legal/terms)[Privacy](/legal/privacy)[Contact](/contact)[Consent Preferences](#)[Do Not Sell or Share My Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a)[Limit the Use Of My Sensitive Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a) © 2026 Ownify, Inc. All rights reserved. Equal Housing Opportunity. Fractional ownership investments are provided by Ownify, Inc., 548 Market Street #25841, San Francisco, CA 94104. Real Estate Brokerage services may be provided by Ownify Real Estate LLC, NCREC C36616. Mortgage broker and loan processing services are offered through Real-Finity Mortgage, LLC, dba Realfinity. NMLS #2445766 and #2723220. Real-Finity Mortgage, LLC is a licensed mortgage brokerage and maintains its corporate headquarters at 929 Alton Road Suite 500, Miami Beach, FL, 33139. ✕ - Hi, I'm Owen. I can build a personalized homeownership plan for you here: https://ownify.com/myplan