Home Mortgage Done Right

Cheaper & Less Risky

Welcome to Home Diversification Corp

 

We are the creator of the home diversification concept. And developer of the Home Diversification Mortgage (HDM)


This revolutionary product guarantees national home price appreciation to the homeowner, while providing a first-of-its-kind No-Down Payment/No PMI at any FICO score Mortgage. This mortgage actually addresses the long-standing issue of affordability, as it saves the borrower $100+ on their monthly mortgage payment.

The Home Diversification Mortgage delivers PEACE OF MIND to homeowners by providing the protection of diversification for their largest asset – their home. It substantially eliminates their risk of home value loss and foreclosure, which helps them maintain their all-important “nest egg” and keeps them in their home even during tough times.

The HDM can be especially beneficial to groups that have been unfairly neglected in the past, such as minorities and low-income families.


While our focus is homeowners, the Home Diversification Mortgage provides tangible benefit to the major players in the home finance industry – banks and non-bank lenders, as well as the GSEs. It supplants the need for traditional credit enhancement, such as PMI and FHA, eliminating 98-percent of their mortgage credit risk.


HDM Represents the Future of Residential Mortgages

It provides greater affordability to borrowers by saving them monthly and reducing their risk of default, while enabling lenders the ability to expand loan volume and serve tens of millions more Americans. This ensures an overall stable home financing market here and abroad.

We fully believe the HDM will transform the home finance and homeownerships markets in the U.S. and globally. The result – booms within the global housing markets and economies – delivering new global prosperity.

That’s good for everyone…

 

 

 

 

Key Benefits 

Consumers

Declining home value due to local-market price volatility is a major risk that can hit homeowners at any time.

This reduces their net worth and increases their risk of foreclosure and other financial problems.

Our product can address and significantly reduce these risks, by as much as 40-percent, respectively. Additional benefits of note:

  • Inexpensive – average monthly fee of just $19, based on typical $225,000 mortgage.
  • Enhanced Affordability – potential for savings of hundreds monthly utilizing low-down payment without expensive PMI, FHA or a second mortgage, and/or a lower interest rate. (we plan to introduce upon industry approval)
  • Wealth Management – home (largest asset for many) becomes a more stable investment.
  • Mortgage Coverage – mortgage payments will be paid utilizing a homeowner’s positive balance in defined job-loss scenarios.

Beyond the tangible benefits, home diversification will provide homeowners with peace of mind. While hard to measure, the benefits of eliminating anxiety and sleeping well at night are intangible “quality of life” value-adds that homeowners will certainly come to appreciate.

Originators

They stand to benefit from a very substantial increase in first-mortgage volume and market share. And, they also gain a competitive advantage with customers, who surveys indicate want this product.

Creditors

Will benefit from up to 70-percent reduction in credit losses. GSE’s, such as Fannie Mae and Freddie Mac, will advance their mission of enhancing housing affordability (e.g- reduced interest rate or adding stability to the housing finance system) and be able to better meet their mandate of helping expand the homeownership market they serve.

They gain a competitive advantage with indirect consumer customers, who surveys indicate want this product.