---
title: "Ownify Tech & Tools — Bricks for Real Estate"
description: "The tech and tools powering Ownify, now available to brokers, lenders, and real estate investors. Explore Owen AI and the Progressive Ownership Lease."
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. Active in Colorado, North Carolina, and Tennessee.",
      "foundingDate": "2022",
      "areaServed": [
        {
          "@type": "State",
          "name": "Colorado"
        },
        {
          "@type": "State",
          "name": "North Carolina"
        },
        {
          "@type": "State",
          "name": "Tennessee"
        }
      ],
      "sameAs": [
        "https://www.linkedin.com/company/ownify",
        "https://x.com/ownifyhome",
        "https://www.facebook.com/ownifyhome",
        "https://www.instagram.com/ownifyhome",
        "https://www.youtube.com/@ownify"
      ],
      "contactPoint": {
        "@type": "ContactPoint",
        "contactType": "customer support",
        "url": "https://ownify.com/contact",
        "areaServed": [
          "US-CO",
          "US-NC",
          "US-TN"
        ],
        "availableLanguage": "English"
      }
    },
    {
      "@context": "https://schema.org",
      "@type": "WebSite",
      "@id": "https://ownify.com/#website",
      "url": "https://ownify.com/",
      "name": "Ownify",
      "publisher": {
        "@id": "https://ownify.com/#organization"
      },
      "inLanguage": "en-US"
    },
    {
      "@context": "https://schema.org",
      "@type": "BreadcrumbList",
      "itemListElement": [
        {
          "@type": "ListItem",
          "position": 1,
          "name": "Home",
          "item": "https://ownify.com/"
        },
        {
          "@type": "ListItem",
          "position": 2,
          "name": "Tech",
          "item": "https://ownify.com/tech"
        }
      ]
    }
  ]
---

We use essential cookies to make our site work. 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=53035703.324f24380ff99119b97600b3dc882991.1787187890037.1787187890037.1787187890037.1&__hssc=53035703.1.1787187890037&__hsfp=459a5155cbd50c6758f41a978f891916)[Get started](https://app.ownify.com/applications/new?__hstc=53035703.324f24380ff99119b97600b3dc882991.1787187890037.1787187890037.1787187890037.1&__hssc=53035703.1.1787187890037&__hsfp=459a5155cbd50c6758f41a978f891916)

[Owen AI](/tech/owen)[Owen SF](/tech/owenSF)[POL](/tech/progressive-ownership-lease)

# The tech & tools powering  
Ownify. 

Built by a team of real estate operators, mortgage veterans, and AI engineers — now available to forward-thinking companies like yours.

Our Story 

## From the inside out. 

We started Ownify with a mission to turn renters into owners, helping first-time homebuyers in an increasingly tough market. Our fractional ownership structure is helping first-time buyers lower the cost of ownership by 10-15% (learn more at Ownify).

Today, we're running Ownify — an integrated real estate brokerage, investment fund, and mortgage broker, all powered by AI. The AI technology we're building is driven by the day-to-day experience we have buying and financing homes for our customers.

And now, we're making the technology available to forward-thinking real estate companies — whether you're a broker, loan officer, mortgage company, or real estate investor.

Check out the "bricks" we're using to build our own business.

The Bricks 

## Tools you can use today. 

[

### Owen, the AI Loan Officer

An AI-powered Claude skill that helps mortgage lenders increase borrower response and engagement.

Learn more 

](/tech/owen)[

### Progressive Ownership Lease

A lease structure that turns renters into owners — higher yields for landlords, real equity for tenants.

Learn more 

](/tech/progressive-ownership-lease)[

### Owen SF Pricing Intelligence

Score any San Francisco address on price competitiveness and simulate how the asking price moves the odds of a sale.

Learn more 

](/tech/owenSF)

The Founding Team 

## Built by operators. 

![Frank, CEO](/tech/images/frank.png)

#### Frank, CEO

Frank was previously CEO of Nomis Solutions, a mortgage pricing software company. His clients included 30+ of the top 100 lenders globally. Prior to Nomis, he was VP Product at FICO, and VP Product at eCoverage. He began his career as a consultant at Oliver Wyman and holds a B.S. in Finance from the Wharton School.

![Ben, COO](/tech/images/ben.png)

#### Ben, COO

Ben was previously COO of Divvy Homes and led the Mortgage Business for SoFi. Prior to SoFi, he was a Portfolio Manager at PIMCO, and worked in Treasury and Structured Products at State Street. He holds a B.A. in German Studies from Dartmouth College.

![Allie, VP Product](/tech/images/allie.png)

#### Allie, VP Product

Allie brings over ten years of product management experience across financial services and healthcare. She holds a B.S. in Economics from Boston College and an MBA from Harvard Business School.

### 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