The American Dream of homeownership is out of reach for the majority of first-time homebuyers. The hurdles they face are higher now than at any point in recent history. High interest rates and lender risk-aversion continue to block the path for millions of Gen Z and Mellennial first-time buyers who must rely on traditional mortgage programs for financing.

Home Diversification Mortgages can open the door to homeownership by offering risk-free first-time home buyer financing with zero down payments and no Private Mortgage Insurance.