@CommunityOwn "Property To The People!”

Financing for The People.

Keep the same warm, authentic community-centered neighborhood resource center scene, but reduce the group to two or three people: one or two diverse homebuyers with one community housing advisor reviewing real estate financing documents together. Preserve the welcoming collaborative atmosphere, subtle cues of homeownership and community development, professional documentary-style photography, natural light, inclusive and optimistic, realistic, no readable text, no logos.

CommunityOwn connects individuals, organizations, and businesses with a range of lending products, grants, and creative financing solutions to support real estate purchases, development, and rehabilitation. Explore the options below to find a path that fits your goals.

Individuals, Organizations & Businesses

  • People’s Housing Fund (aka CommunityOwn) 3% Grants — May cover 3% or, in some cases, the entirety of closing costs on real estate purchases of all types.
  • Seller Financing — An arrangement where the property seller provides financing directly to the buyer.
  • Community Development Corporations — Mission-driven organizations that support housing and economic development in local communities.
  • Direct Lenders — Financial institutions that originate and fund loans directly, without intermediaries.
  • Private & Hard Money Lenders — Alternative lending sources offering flexible, often shorter-term financing options.

Financing for Individuals

  • FHA Loans — Government-backed loans designed to help individuals purchase a home.
  • FHA Rehab Loans — Financing that combines the cost of a home purchase with renovation expenses.
  • Cash-Out Refinance — Replacing an existing mortgage with a new, larger loan to access equity as cash.
  • HELOC — A home equity line of credit that allows homeowners to borrow against their home’s equity as needed.
  • Reverse Mortgage — A loan option that allows qualifying homeowners to convert home equity into funds while retaining ownership.

Financing for Organizations & Businesses

  • Portfolio Loans — Loans held by the lender rather than sold on the secondary market, offering more flexible underwriting.
  • Collateralized Loans — Loans secured by an asset, such as real estate, to help reduce lender risk.
  • Fix-and-Flip Loans — Short-term financing designed for purchasing and renovating properties for resale.
  • Rehab Loans — Financing intended to cover property improvement and renovation costs.
  • CommunityOwn Constituency/Client Loans — Grants designed to support memberships or clients in reaching their real estate goals.

Let’s Find the Right Fit for You

Ready to explore your options? Contact CommunityOwn to discuss your goals and identify the financing and grant opportunities that may be appropriate for your situation.

Contact CommunityOwn

Note: Availability, qualification, terms, and grant eligibility vary by program and individual circumstances. Please discuss your specific situation with qualified lending or housing professionals before making financial decisions.