--- title: "Our Impact — Ownify" description: "How Ownify helps middle-income, low-wealth homebuyers build real equity — and why our model outperforms a traditional mortgage for the families we serve." 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=53035703.0959bde3f13231aeb9ef6c8115f6fcdf.1787187631632.1787187631632.1787187631632.1&__hssc=53035703.1.1787187631632&__hsfp=459a5155cbd50c6758f41a978f891916)[Get started](https://app.ownify.com/applications/new?__hstc=53035703.0959bde3f13231aeb9ef6c8115f6fcdf.1787187631632.1787187631632.1787187631632.1&__hssc=53035703.1.1787187631632&__hsfp=459a5155cbd50c6758f41a978f891916) Our Impact # Building wealth for the missing middle . We help middle-income families access homeownership — and protect them from the downside risk that traditional mortgages can't. [See if Ownify is for you](/homebuyers/eligibility) Who we serve ## The missing middle homebuyer. Our customers reflect the diversity and drive of today's first-time homebuyers — families that earn too much for assistance, but not enough to compete in today's mortgage market. 132% AMI on average 56% Black or Latinx 25% 1st-gen immigrants 719 Average FICO Owni Income Distribution Share of Ownis by Area Median Income. - Below 100% AMI - 100–150% AMI - 150–200% AMI - 200%+ AMI Nearly 7 in 10 Ownis earn between 100–200% of Area Median Income — the families priced out of mortgages but earning too much for traditional assistance. What our Ownis gain ## A model built around real life, not just credit scores. Ownify removes the upfront cost, the debt, the surprise bills, and the downside risk. Here's what that means in practice. ### $29K average down payment savings Our Ownis get into a home with a fraction of the upfront cash a mortgage would require. ### $392 average monthly savings Lower monthly payments free up cash for life — savings, family, and unexpected expenses. ### Predictable 5-year payment certainty Locked-in payments shield Ownis from rate shocks and rent increases for half a decade. ### Fully-inclusive ownership Repairs, insurance, and property taxes are all included — no surprise bills. ### Zero debt, never underwater No mortgage means no negative equity. Ownis own what they've built, period. The headline chart ## Ownis built more equity than a mortgage would have. Ownify customers build equity faster than they could with a traditional mortgage - because there is no interest to pay and transaction costs are lower. After 18 months, our customers are on average $10k ahead of the traditional mortgage journey Ownis ahead of a mortgage 79% 79% of our Ownis built more equity than they would have with a mortgage. Average net equity — Ownify $1,839 Per Owni, after all costs. Average net equity — Mortgage \-$8,228 $10k less than an Ownify customer. What our Ownis tell us ## The numbers behind the choice. When asked why they chose Ownify over a mortgage, our customers were clear: 100% found Ownify a better fit than a mortgage 75% didn't want to take on more debt 75% didn't want to pay for repairs, insurance, and taxes 88% valued never being underwater In their words ## What Ownis say about us. "The Ownify team was great to work with. Very welcoming, responsive, and great mission." "Keep doing what you're doing because it's great." "The program is very helpful for this economy." "Our experience with Ownify has been great so far. Ben is responsive and professional and takes our requests seriously." "Your program / product is amazing, we are truly thankful!" Global alignment. Local impact. ## Aligned with the UN Sustainable Development Goals . Our work strengthens families and local communities through homeownership — and aligns with the global goals that matter most for housing equity. 1 No Poverty Helping families break the rent cycle and build financial stability through affordable homeownership. 8 Decent Work & Economic Growth Creating pathways for wealth-building and economic participation through equitable housing access. 10 Reduced Inequalities Expanding ownership for communities historically excluded from traditional financing. 11 Sustainable Cities & Communities Fostering stability, pride, and investment in stronger, more inclusive neighborhoods. Impact Stories ## Meet the families behind the numbers. Real Ownis, real homes, real stories. [Angee & Anthony Putting down roots. Read their story ](/blog/impact-story-angee-anthony-put-down-roots) [Zac & Skylar Investing in their future. Read their story ](/blog/impact-story-zac-skylar-invest) [George & Lydia A better-fit mortgage alternative. Read their story ](/blog/impact-story-george-lydia-mortgage-alternative) ## Download “The Crisis in Homeownership – Barriers and New Solutions” Download our impact thesis ### 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