MORTGAGE PRODUCTS DESIGNED FOR THE FUTURE OF HOME FINANCE
Home Div Solutions develops innovative mortgage products designed to expand access to homeownership while helping lenders create more flexible and resilient lending strategies. Built on extensive mortgage research, data analysis, and credit modeling, our solutions provide new approaches to improving affordability, managing risk, and supporting sustainable housing markets.
The only financial protection designed specifically for the risk that standard homeowners insurance was never built to cover: the geography of your home.
No Refinance Required
Existing homeowners enroll without changing their mortgage. No closing costs, no new lender, no disruption.
Protection Against Local Decline
If your market falls below the national pool return, Home Secure pays you the difference when you sell.
Your Home, Your Occupancy
You retain full ownership and all rights of occupancy. Nothing about how you live in your home changes.
$44,000 in Risk-Adjusted Value
On a $300K home over 15 years. The capitalized value of eliminating idiosyncratic price risk.
Discover how Home Div Solutions’ innovative mortgage products can help lenders, housing organizations, and financial partners create more flexible lending opportunities while supporting sustainable homeownership.
Whether you are looking to expand mortgage offerings, explore new lending strategies, or learn how our solutions can support your organization, our team is available to discuss our products and partnership opportunities.
Innovative Mortgage Products
Home Div Solutions provides innovative mortgage products designed to help lending institutions, insurers, and investors explore new opportunities in residential finance. Our solutions combine data-driven insights with flexible mortgage strategies to support responsible lending, improve borrower access, and strengthen long-term housing outcomes.
VERIFIED CREDIT LOSS DATA (Biron, 2022)
| Structure | Down Payment | Annual Credit Loss | vs. Conventional |
|---|---|---|---|
| Price-Diversified — Base | 0% | 5 bps | -83% |
| Price-Diversified — Base | 3% | 3 bps | -90% |
| Price-Diversified — GFC Stress | 0% | 25 bps | -14% |
| Conventional Prime or Baseline | Avg. | 29 bps | — |
