Lower payments, shared success.Genrae’s mortgage assistance program is subject to underwriting approval from our partner banks. By partnering with Genrae, you receive a mortgage approximately 2% below the national average, in return for a modest equity preference based on an annual appreciation of your purchase price. This agreement is secured by a lien on your property and does not require any additional monthly payments or accrued interest beyond your regular mortgage. When you sell, you pay Genrae according to the agreed terms.