Our Story
The Future of Affordable HomeOwnership—is a Redesign of the Process
The HomeOwnership Company, envisions a future where the path to owning a home is seamless and accessible for all. We believe that homeownership is fundamental to living a life of freedom and ease. We understand that this dream is achievable for most people with some common-sense changes to the current process. That's why we have reimagined the way people buy and sell homes by combining real estate and mortgage services into one company. This unique approach allows us to leverage both sides of the transaction to maximize your savings. Unlike traditional models where separate 5% real estate agents commission and mortgage brokers asking for 3% lender increases the cost of homes. Integrating both services—eliminating waste, lowering costs in a mortgage by 50%, and using half of the buyer’s agent commission as a realtor credit to pay your mortgage costs. The result? You win offers and save thousands when buying and selling a home.
Our Company makes HomeOwnership easy and saves you the most money
Traditional real estate and mortgage services operate separately, leading to excessive commissions and hidden fees fueled by referral-based system that cost you money and drive up home prices. On a typical $600,000 home purchase:
- Mortgage companies charge 2.25% on a 5% down loan—$11,400 in fees. They ask you to get 3% form the seller to buy down the rate. Ask why?
- Real estate agents take 5% in commissions—$30,000 split between buyer and seller agents.
- Buyers and sellers are forced to pay over $41,000 to middlemen—without receiving real savings. Seller pays $48,000 to middle men when mortgage company's ask for 3% for closing costs. They add that to the price of the home.
- Total Buyer Savings: Up to $13,320 upfront + lower monthly payments!
- Total Seller Savings: Up to $25,000 per home sale!
- Total Savings up to: $41,000+ on your buy & sell transaction!
What Makes Us Different?
The Problem
Owning a home is only a dream for many
Because the traditional process often involves paying excessive fees to middlemen—mortgage brokers and real estate agents. Thanks to technology, these tasks are now simpler and more efficient.
Traditional real estate and mortgage industries rely on outdated systems that prioritize high commissions over client savings. On a typical $600,000 home purchase:
- Mortgage brokers earn $11,600 (2.0% of the $582,000 loan amount).
- Real estate agents earn $30,000 in commissions (5% split between buyer’s and seller’s agents).
- That’s $41,600 paid to middlemen for services that are now streamlined through technology.
The current system is built on inflated commissions and referral-based marketing. Real estate agents and mortgage brokers prioritize their profits over your savings. Real Estate agents refer you to a mortgage company based on if they refer people back to them, not if it save you the most money. Homebuyers end up paying thousands more than necessary, while sellers are forced to raise prices to cover these costs. This unsustainable model has made homeownership unaffordable for many.
Why does this happen? Referral-based partnerships between realtors and mortgage brokers dominate the industry. They promise the "best service" but rarely focus on saving you money. Instead, they profit off inflated fees while buyers and sellers absorb the costs.
At The HomeOwnership Company, we’ve had enough. We’re here to break this cycle and make homeownership affordable again. We have put together every way to make this less expensive for home buyer and home sellers. Not prioritizing what we make doing it. How do we do that? We make less money to make HomeOwnership more affordable.
Trust us to guide you through a streamlined process that prioritizes your financial well-being.
Do you have a HomeOwnership Plan?
Get our free homeownership masterclass in making homeownership easy and affordable. Even better, give Tom a Call at 801-403-9774 You will customize and learn more about home buying and saving!
The Solution
For Homebuyers: Lower Closing Costs & Monthly Payments on a $600,000 home
- 1% Mortgage Fee vs. 2.00% Industry Standard → Save $5,820 on a 3% down $582,000 home loan.
- Buyer’s Agent Commission Credit → We give you half of the commission 1.25%(typically $7,500 or more) to cover you mortgage closing costs with us.
- Lower Interest Rates → We pass wholesale mortgage rates to you, saving you $200-$400 per month on your mortgage payment.
Total Buyer Savings: Up to $13,320 upfront + lower monthly payments!
For Home Sellers: More Profit from Your Sale
- Flat $5,000 Listing Fee → Save $25,000 or more vs traditional 5% commission when an unrepresented buyer buy.
- We show your home to unrepresented buyers and assist in them making offers. We have $0 additional commission if an unrepresented buyer buys your home. other agent goal is to represent a unrepresented buyer and make a $15,000 commission.
- Smart Digital Marketing → Get MLS exposure, professional photos, 3D tours, and open house scheduling.
- Sell for More, Keep More → Our down payment only mortgage quote Buyers receive closing cost assistance while sellers retain more profit.
Total Seller Savings: Up to $25,000 per home sale!
Buying & Selling with Us: Yes you get both
Selling Your Home for $600,000
- Traditional Agent: 5% $30,000 in commission
- With Us: Selling is Flat $5,000 listing fee, no buyers agent→ You can save up to $25,000 if a buyers agent is involved you will save $10,000.
Buying Your Dream Home for $800,000
- Traditional Mortgage Fees 2%: $12,800
- With Us: 1% flat fee → You save $6,400
- Buyer's Agent Credit: $10,000 back toward your closing costs
- Saving you $16,400 when you buy
Total Savings up to: $41,000+ on your buy & sell transaction when a unrepresented buyer buys your home!
How It Works
Real-World Savings Example
How We Make Homeownership Easier & More Affordable
For Buyers:
For Sellers:
The Bottom Line: More Money in Your Pocket
Our innovative system eliminates unnecessary fees and puts the savings back in your hands. We don’t believe in overcharging—our goal is to make homeownership truly affordable.
Why Choose Us?
Why Our Model Works Better
Traditional Industry Model
The HomeOwnership Company Model
Join the Homeownership Revolution
Don’t let high commissions and outdated systems drain your finances. With the HomeOwnership Company, you’ll save money, time, and stress.
Contact us today to learn how we can help you buy or sell your home for less!
Call us today 801-403-9774 and find out how much you can save on your next home purchase or sale!