How it Works
Unlock homeownership with lower payments and shared performance.
Apply for a home loan directly on Genrae's website. We'll guide you through every step of the mortgage process, starting with pre-approval to assess your finances and determine how much you can borrow.
Once you're pre-approved, work with a real estate agent to find a home that meets Genrae's criteria for a solid investment. When you find the right home, make an offer. If your offer is accepted, you'll move on to closing with Genrae.
At closing, Genrae works with everyone to make sure all funds are ready. You'll sign the closing documents, including the Genrae Option Agreement that explains our investment terms.
After closing, you can move into your new home. You will be responsible for the monthly mortgage payments, as well as any applicable taxes, insurance, and HOA fees.
Both you and Genrae stand to benefit from any increase in the home's value over time, according to the terms of the Genrae Option Agreement.
Enjoy immediate savings with a lower monthly payment that eases your budget. With no extra rent on the reduced mortgage, you keep more money in your pocket every month.
The Shared Performance Mortgage pairs a below-market-rate mortgage with a simple option agreement. In exchange for a rate reduction of up to 1.5 percentage points, Genrae earns a small, capped share of the home’s future value, which is typically settled at sale, refinance, or the 30-year term. The structure is designed to keep homebuyers first and preserve homeowner upside.
You fully own your home as long as your mortgage remains current, including your down payment and principal payments. Any increase in your home’s value above a modest cumulative amount per year is entirely yours to keep.
Genrae's mission is to ensure sustainable homeownership. We only profit if your home's value rises, so our interests align with yours. If your home doesn’t experience value growth, there’s no value‑growth payment to Genrae. If you sell or refinance within the first 36 months, some or all of the initial rate reduction may be due then.
Who can use Genrae?
Genrae serves two main groups:
Homebuyers: Individuals looking to purchase a home but may need additional financial support to afford their desired property. Genrae is especially beneficial for those who might not qualify for the full mortgage needed to buy their dream home. By becoming a member of the Genrae community, homebuyers can gain access to pooled funds from investors, which helps bridge the gap between their mortgage qualification and the home price.
Accredited Investors: Investors interested in the real estate market who want to diversify their portfolios by investing in residential properties. Genrae offers a structured way for investors to potentially earn returns based on property value appreciation.
Both parties benefit from a model that aligns their incentives — homebuyers achieve homeownership, and investors get opportunities for investment growth.
What U.S. states does Genrae operate in?
Currently operating in Ohio, mainly the Columbus area comprising of the counties of: Delaware, Fairfield, Franklin, Knox, Hocking, Licking, Logan, Madison, Marion, Morrow, Perry, Pickaway and Union.
We operate in Oregon, Idaho, Colorado, and Minnesota through third party originators. Please contact us at hello@genrae.com if you are interested in a referral to one of our leading partners in those states.
Do I need a real estate agent to buy a home using Genrae?
No you do not, but it does not preclude you from using a buyer's agent.