A Smarter, Safer Way to Support Homeowners & Earn Recurring Revenue
Home Diversified Solutions (HDS) introduces HomeSecure, a breakthrough financial product that leverages the proven financial concept of diversification. The solution incorporates mortgage pooling that smooths price volatility, reducing credit risk for lenders and default risk for homeowners.
HomeSecure offers promoters a rare, differentiated opportunity to provide customers a value-added benefit not found elsewhere: an easy, consumer-positive solution that generates a recurring revenue stream with every homeowner introduced. Potential promoters include: lenders of all types, credit unions, insurance professionals, benefits providers, credit card companies, credit bureaus, RIA’s, brokers and real estate agents, builders, employers, and many others…
Simple to explain. Affordable to adopt. Valuable for every homeowner. HomeSecure offers a powerful means for you to differentiate your offering and grow your business.
How It Works
Nationwide Home Value Pooling
HDS combines thousands of homes from different regions, price points, and markets into a single diversified pool.
Just like an investment portfolio spreads risk across many assets, home-value pooling spreads real estate risk across many properties.
No single home or market dominates the outcome – creating stability that individual homeowners and lenders cannot achieve alone.
The HDS Home Price Index: Smoothing Volatility
From this diversified pool, HDS creates a custom Home Price Index that smooths out sharp market swings.
Local downturns, economic shocks, job losses, and regional declines have far less impact, because the index reflects the stability of a nationwide pool, not a single ZIP code.
The result is more predictable home-value performance and significantly lower exposure to sudden price drops.
Reducing Risk for Borrowers and Lenders
When home prices are more stable, fewer borrowers fall into negative equity – the leading trigger for mortgage default.
Lenders benefit from stronger collateral, lower credit risk and more qualified customers.
Borrowers benefit from protection against extreme downside scenarios.
This creates a win/win environment and provides promoters with a solution that is easy to explain, easy to sell and universally beneficial.
Benefits for Stakeholders
HDS gives professionals, creators, and financial service providers a new recurring revenue stream, powered by a product that is easy to explain, affordable for consumers and genuinely beneficial to homeowners and lenders.
It’s a powerful way to grow your business while helping your clients reduce financial risk. Benefits include:
75% home-price risk reduction
10 - 15% rise: risk-adjusted h/o wealth
Short-term mortgage-payment support
Unmatched value for minimal cost
Homeowner Referral Income
$25 retail / $35 origination tiers
Let’s talk about partnership opportunities, revenue potential, and how HDS can help you support your clients