Buying a home isn’t easy, especially for first-time buyers, young families, and recent grads.

With rising costs and financial uncertainty, many wonder if homeownership is even possible. Rent continues to climb faster than incomes, making it harder to save for a down payment. It’s a cycle that leaves renters feeling stuck, spending most of their income just to keep up.

Meanwhile, limited housing inventory and rising interest rates only add to the challenge. Even for those who qualify for a mortgage, saving enough to get started can feel impossible. Without a clear plan, the path to owning a home can seem confusing, overwhelming, and out of reach.

That’s where Homifi steps in.

At Homifi, we leverage short-term debt solutions to reduce your monthly rent burden and redirect the savings toward your future down payment.
Here’s how it works: We help clients secure a personal loan, typically equal to two years' worth of rent, and spread the repayment over a 7-year term. This lowers your monthly out-of-pocket rent costs. The money you save each month is escrowed into a secure, trust-like account, which can only be accessed once you’ve reached your down payment goal or completed the 2-year program.

In essence, we front-load the value of a 7-year loan into the first 2 years so you can fast-track your savings, move into your new home sooner, and roll the loan into your mortgage.