As home affordability continues to erode, a new wave of innovation is emerging in the real estate market—shared equity, or co-ownership. While several companies have entered this space, most focus on unlocking equity for existing homeowners. At Cleardoor, we’re taking a different—and more impactful—approach: empowering first-time home buyers to break into the market through a smarter, shared equity model. https://cleardoor.io/shared-equity/
🏡 The Problem: Homeownership Is Slipping Out of Reach
Skyrocketing prices, stagnant wages, and rising interest rates have made homeownership unattainable for millions of Americans—especially younger buyers entering the market for the first time. Traditional mortgage models aren’t built for today’s economic realities, and many would-be homeowners are stuck renting while watching prices climb. That’s where shared equity comes in—but not all models are created equal.
🔍 How Most Shared Equity Models Work
Most co-ownership and shared equity companies target existing homeowners, offering to “invest” in their homes in exchange for a future share of the upside. While that can free up cash, it doesn’t expand access to homeownership—it simply redistributes equity.
These models often:
- Prioritize homeowner liquidity over buyer access
- Focus on financial engineering, not long-term ownership outcomes
- Compete with HELOCs or cash-out refinancing, not rent
💡 Cleardoor Is Built for the Buyer
Cleardoor flips the model. We partner directly with first-time home buyers, not existing homeowners, to co-invest in the purchase of a home. Our shared equity model lowers the upfront cost, reducing the required down payment and increasing purchasing power without trapping buyers in high-interest debt.
Here’s how Cleardoor stands out:
🤝 More Than Capital—A True Partnership
Because Cleardoor is also a licensed real estate brokerage, we guide buyers through the entire transaction—from finding the right home to closing the deal and co-investing alongside them. This vertically integrated approach ensures buyers receive both financial and operational support as they enter the market.
And we don’t stop at the transaction. Cleardoor is committed to helping buyers eventually buy us out over time, converting shared ownership into full ownership on their terms.
🚀 Why It Matters Now
Recent market shifts—including class action settlements that are challenging traditional commission structures—have opened the door for modern, consumer-centric brokerage models like Cleardoor. We’re leveraging that momentum to expand access to homeownership through innovation, not just disruption
✅ Cleardoor’s Promise: A Smarter Path to Homeownership
By focusing on first-time buyers, aligning incentives, and integrating brokerage services, Cleardoor is uniquely positioned to lead the next chapter in the shared equity movement.
We’re not just changing how people finance homes—we’re making homeownership possible for a new generation.
Learn more at www.cleardoor.io or contact us to explore potential partnership opportunities. You can also view our investor offering https://cleardoor.io/safe/
