Complete Your Profile to see your full offer
A personalized co-ownership offer has been reserved for you. Complete your profile in about a minute to see your full offer details — including your purchase amount and estimated monthly savings.
Your offer is reserved
A co-ownership offer is waiting for you
Complete your profile to unlock your purchase amount, estimated savings, and full offer terms.
Simplify your finances
Pay off your debts
Use the cash from Balance’s purchase to pay off your mortgage and reduce high-interest debts.
Lower your payments
New monthly payments can be up to 30% lower compared with current monthly mortgage and debt payments.
Flexibility, built-in
Life happens. Sell additional home equity to cover unexpected expenses.
Rebuild Your Credit
With your mortgage and other debts paid off, Balance co-ownership can help you rebuild your credit score.
Most single-family homes qualify
No minimum credit score · Takes 1 minute
How Balance works
We invest in your home, you stay in control
Balance purchases a share of your home and joins you as a silent co-owner — providing cash today for a share of your home's appreciation. You remain an owner living in the home, all while staying in control.
Consolidate your debt to lower your payments
As part of the purchase, we pay off your current mortgage and other eligible liens. You'll make a monthly Exclusivity Cost payment that's structured for stability and predictability — and targets payments up to 30% lower than what you're paying today.
Rebuild your credit over
2–3 years
Get your finances back on track and improve your credit score. The program is designed to give you time to qualify for a traditional mortgage with a third-party lender. Many co-owners see their credit scores increase once high-interest debt is resolved.
Exit on your
terms
No minimum term. You may repurchase Balance's share when you're ready to refinance into a traditional mortgage — or choose to sell the home and keep your share of the proceeds.
Balance buys a portion of your house – but you stay in your home
As part of the purchase, Balance buys a portion of your home, pays off your mortgage and becomes a co-owner. Balance shares in the costs of maintaining the property, as well as the benefits, including sharing future appreciation.You remain an owner living in your home – with the support you need to address debts and work toward full ownership again.
Pay off your
debts
Get up to $680k to pay off your mortgage and other debts. You’ll make a monthly payment to Balance that also includes your share of taxes, insurance and HOA fees based on your ownership percentage.
As a Co-Owner, Balance also pays its share of these expenses each month.
Rebuild your credit and go back to a traditional
mortgage
Get your finances back on track and improve your credit with the help of HUD-certified counseling, credit repair support, and incremental equity buyback tools.
With no minimum term, you have the flexibility to buy out Balance’s share when you’re ready with cash or through a traditional mortgage. Or you can choose to sell your home and receive your share of the proceeds.
Complete your profile to see your full offer
Fees & Key Terms
Transaction Fee
Early Repurchase Fee Rabate
Closing Costs
Repair Terms
This offer is subject to:
- ✅ Verification that you meet our underwriting criteria, including a maximum 45% Payment to Income ratio
- ✅ Full property inspection
- ✅ Confirmation of identity and stable income
- ✅ Maximum cash proceeds of $50,000 or 15% of home value
Don't just take our word for it
"Balance Homes was amazing to work with. Their team walked us through the entire process and was always available to help us with any questions we had. Everything was up front, with no hidden agenda. I look forward to continuing to work with Balance Homes!"
Nicole H.
"Balance helped me and my family at a time when no one else could. I appreciate their willingness to help me to achieve my goals. Thank you for your passion and dedication."
Nilsa M.
"Awesome. Balance arrived in my life at a time when I needed them most. Balance provided me with a product that gave me the flexibility I needed to get back on my feet and move my life in a positive direction. Thank you, Balance!"
James R.
"What a great team. They all worked together excellently. Any questions I had during the process was great and they explained everything. I do recommend them to be the help you need."
Kamie M.
"Everyone I have talked to at Balance is always so supportive and friendly. They really want to help you make the whole experience a positive one. They were able to help me keep my home and get back on financial track."
Julie T.
"I have had one of the most supportive, pleasant and superb communications with Balance Homes. I never felt pressured, nervous or unsure. Any questions I had were promptly answered and the team never made me feel insecure about anything I wanted clarification on."
Christina P.
Don't just take our word for it
“Balance Homes was amazing to work with. Their team walked us through the entire process and was always available to help us with any questions we had. Everything was up front, with no hidden agenda. I look forward to continuing to work with Balance Homes!”
“Balance helped me and my family at a time when no one else could. I appreciate their willingness to help me to achieve my goals. Thank you for your passion and dedication.”
“Awesome. Balance arrived in my life at a time when I needed them most. Balance provided me with a product that gave me the flexibility I needed to get back on my feet and move my life in a positive direction. The staff understood my situation, remained patient throughout the entire application and approval process, and help me feel comfortable about every step of this new beginning. Thank you, Balance!”
“What a great team. They all worked together excellently. Any questions I had during the process was great and they explained everything. I do recommend them to be the help you need.”
“Everyone I have talked to at Balance is always so supportive and friendly… They really want to help you make the whole experience a positive one. They were able to help me keep my home and get back on financial track.”
"I have had one of the most supportive, pleasant and superb communications with Balance Homes. The team reminded me that we were on the same page, had my goals as the ultimate focus and I felt the human interactions every time. I never felt pressured, nervous or unsure. Any questions I had were promptly answered and the team never made me feel insecure or silly anything I wanted clarification on."
