We Help People Buy Homes

Genrae invests with homebuyers to increase their buying power. Here's a step-by-step breakdown of the process:

1. Connect with Lenders: To start, you’ll be connected with Genrae’s lending partners. They will guide you through the detailed pre-approval and buying process.

2. Get Pre-Approved: After connecting with our partnered bank, get pre-approved. This step assesses your financial capability to determine the amount you can borrow.

3. Find a Home: With your pre-approval in hand, work with a real estate agent to find your dream home that fits the criteria for Genrae community investments.

4. Make an Offer: When you find a home, you can make an offer. If accepted, you’ll move to the next step of co-investing with Genrae.

5. Close the Deal: At the closing step, Genrae collaborates with the bank to ensure all necessary funds are ready. You'll sign the closing documents, including an Equity Share Option Agreement that details Genrae's investment terms.

6. Move In: 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.

7. Share the Appreciation: Both you and Genrae stand to benefit from any increase in the home's value over time, according to the terms of the Equity Share Option Agreement.

Genrae serves two main groups:

1. 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.

2. 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.

Genrae is currently available exclusively in the state of Ohio. If you are interested in using our services but reside outside Ohio, we still encourage you to register as a potential homebuyer with us.

By signing up, you not only express your interest, but also help us prioritize new regions for expansion based on demand. We will promptly notify you as soon as our services become available in your state.

Using a real estate agent is not mandatory when buying a home with Genrae, but it is highly recommended. A real estate agent experienced with the Genrae process can provide valuable guidance and ensure a smoother transaction.

If you are looking for such an agent, we would be happy to refer you through our Getting Started process. An agent can assist in navigating the complexities of the home buying process, helping you find a home that meets both your needs and Genrae’s investment criteria.