Built-In Support
Every Step of the Way
At Balance Homes, we support your path back to full ownership. We invest in your financial readiness, your protection, and your long-term success.
8 Step Program
What's Included in Your Program
Eight layers of support designed to guide you from co-ownership to full ownership.
Step 1
HUD-Certified Homeowner Education
Before closing, you'll complete a required education session with a HUD-certified housing counselor at no additional cost to you.
- Understand exactly how co-ownership works
- Review your responsibilities and rights
- Make an informed decision with professional guidance
- No surprises at closing
We want you fully confident before you sign anything.
Step 2
Agreement Walkthrough
Full transparency on every term in your agreement.
- A required video walkthrough explaining your Program Agreement
- Plain-English explanations of key terms
- Time to review the agreement with your own legal counsel and/or other advisors
Transparency is non-negotiable. You'll know exactly what you're agreeing to.
Step 3
Ongoing Credit Counseling & Repair Support
Your journey doesn't stop at closing. You'll receive ongoing credit counseling with a HUD-certified credit counselor at no additional cost to you.
- Credit repair guidance
- Mortgage readiness planning
- Personalized action steps
- Accountability support
Our goal is simple: help position you to qualify for a mortgage to buy out our portion of the home when you're ready.
Step 4
Homeowner Portal with Credit Monitoring Tools
Inside your Balance Homes portal, you'll connect your financial accounts and get access to user-friendly credit monitoring tools powered by FinLocker.
- Track your credit progress
- View mortgage readiness updates
- Monitor financial improvements in real time
- Stay on track toward refinancing
You'll always know where you stand.
Step 5
Minimal Repair Holdback for Safety Issues
- If the inspection identifies fire, life, or other safety issues, you will be required to complete the repairs to address such issues within 30 days of closing.
- At closing, we will hold back the estimated amount for the repairs and once they are completed, we will disburse the amount to you.
- If you don’t complete them in the allotted time, the heldback funds will be used to address the fire/life/safety issues.
This approach ensures the issues are fully addressed while protecting both you and the long-term value of the property.
Step 6
Additional Repair Funds (No Extra Monthly Payment)
If additional deferred maintenance repairs are identified during inspection, you may access additional funds by selling more of your equity to the company up to a predetermined limit.
- No incremental monthly payment
- Available anytime within the agreement
- Designed to maintain property condition and value
We help ensure the home remains mortgage-ready.
Step 7
Early Equity Buyback Fee Rebate
We reward early progress. If you repurchase the company’s equity share:
- Within Year 1: 100% rebate of company transaction fee
- Within Year 2: 66.67% rebate of company transaction fee
- Within Year 3: 33.33% rebate of company transaction fee
The faster you regain full ownership, the greater your rebate.
Step 8
Incremental Equity Buyback
You may purchase incremental equity up to a predetermined limit at any time during the co-ownership term.
As you increase your ownership share, your monthly payment will decrease.
As you increase your ownership share, your monthly payment will decrease.
- Buy back equity at any time
- No penalty for early participation
- Monthly payment decreases as your ownership increases
- Flexible path toward full ownership
This structure allows you to treat your home like an investment. Build ownership over time while improving monthly affordability.
A Program Designed for Financial Comebacks
Balance replaces your mortgage 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.
Ready to See If You Qualify?
Take the first step toward full homeownership with the support you deserve.
No obligation consultation
Clear program terms
Support after closing
Education before commitment
