Diversify Your Largest
and Most Concentrated
Investment
Most homeowners diversify their retirement accounts, savings, and investments — yet their single largest asset remains entirely concentrated in one property, one neighborhood, one market.
Yet it is precisely how the majority of households are required to hold the largest investment of their lives. Harry Markowitz showed in 1952 that diversification reduces risk without sacrificing expected return. That insight has reshaped institutional investment, bank lending, insurance, and retirement saving — but it has never been applied, at scale, to owner-occupied housing.
Phoenix and Las Vegas lost more than half their value. Austin and the upper Midwest barely moved. Two homeowners with identical credit profiles and identical premiums met opposite fates — not because of creditworthiness, but because of ZIP code. That risk is what diversification is designed to absorb.
What is Home Secure?
Home Secure allows homeowners to participate in a nationally diversified pool of homes, reducing dependence on the performance of a single local housing market — without selling, refinancing, or giving up occupancy.
When a home is eventually sold, its performance is compared to the pool's housing index over the same period. If a homeowner's property underperforms the index, the pool pays the homeowner the difference, subject to program terms. If the property outperforms the index, the homeowner contributes a portion of that excess performance to the pool.
Homeowners retain ownership, occupancy, appreciation, and every other benefit of homeownership — while exchanging a portion of individual housing market risk for participation in a diversified national portfolio. No refinance required.
Based on modeled reduction in idiosyncratic geographic price exposure when participating in a nationally diversified pool.
Full occupancy rights, continued appreciation, and every consumption benefit of homeownership remain intact.
Home Secure is available to existing homeowners without triggering a mortgage refinance event. Simple monthly subscription.
Capitalized value of risk reduction on a $300,000 home over a 15-year holding period, based on a lower required return from diversification.
Participating homeowners may have access to liquidity support during qualifying hardship events, drawn against their pool position.
Based on analysis of over 1 million Freddie Mac loans (1999–2020), published in Real Estate Finance, Winter 2022.
Help us understand your interest in Home Secure
Home Secure is in development. The information below helps us understand demand, refine pricing, and prioritize outreach to early registrants. Completing this form does not create any obligation.
Join the Home Secure early access list
Your information will be used only to notify you about Home Secure availability and program updates. It will not be sold or shared with third parties. Submitting this form creates no financial obligation of any kind.
You're on the list.
Thank you. Your responses and contact information have been recorded. We will be in touch as Home Secure moves toward availability. You are under no obligation of any kind by completing this registration.
